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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 | $85,013 | $78,015+9.0% | $178,505-52.4% | $80,959+5.0% |
| Participation rate | 41.0% | 65.7%-24.6pp | 77.1%-36.1pp | 67.7%-26.6pp |
| Annual return | 15.81% | 18.10%-2.3pp | 27.16%-11.4pp | 35.67%-19.9pp |
| Employer contribution / active EE | $1,368 | $2,281-40.0% | $3,955-65.4% | $2,757-50.4% |
| Participant deferral / active EE | $1,807 | $4,406-59.0% | $6,280-71.2% | $4,300-58.0% |
| Admin fee / account holder | $1,978 | $7,160-72.4% | $10,428-81.0% | $6,925-71.4% |