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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 | $88,919 | $81,233+9.5% | $155,567-42.8% | $80,874+9.9% |
| Participation rate | 39.3% | 66.2%-26.9pp | 78.2%-38.9pp | 67.6%-28.4pp |
| Annual return | 15.63% | 33.33%-17.7pp | 64.74%-49.1pp | 35.62%-20.0pp |
| Employer contribution / active EE | $1,442 | $3,101-53.5% | $4,674-69.2% | $2,756-47.7% |
| Participant deferral / active EE | $3,139 | $3,452-9.1% | $5,628-44.2% | $4,297-26.9% |
| Admin fee / account holder | $3,441 | $7,998-57.0% | $15,916-78.4% | $6,935-50.4% |