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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,296 | $54,297+44.2% | $97,032-19.3% | $65,306+19.9% |
| Participation rate | 35.5% | 42.3%-6.9pp | 71.6%-36.1pp | 57.7%-22.2pp |
| Annual return | 16.13% | 21.17%-5.0pp | 35.38%-19.2pp | 21.94%-5.8pp |
| Employer contribution / active EE | $1,319 | $1,365-3.4% | $2,629-49.8% | $1,967-33.0% |
| Participant deferral / active EE | $2,798 | $2,259+23.9% | $4,672-40.1% | $2,959-5.4% |
| Admin fee / account holder | $1,065 | $3,744-71.5% | $9,418-88.7% | $3,480-69.4% |