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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 | $87,143 | $72,273+20.6% | $101,275-14.0% | $79,856+9.1% |
| Participation rate | 35.0% | 68.5%-33.5pp | 75.8%-40.8pp | 69.6%-34.6pp |
| Annual return | 18.84% | 22.30%-3.5pp | 46.48%-27.6pp | 31.71%-12.9pp |
| Employer contribution / active EE | $1,079 | $2,691-59.9% | $3,660-70.5% | $2,471-56.3% |
| Participant deferral / active EE | $2,288 | $3,282-30.3% | $4,371-47.7% | $3,741-38.8% |
| Admin fee / account holder | $2,063 | $4,401-53.1% | $5,948-65.3% | $5,306-61.1% |