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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 | $81,276+9.4% | $155,574-42.8% | $80,925+9.9% |
| Participation rate | 39.3% | 66.2%-27.0pp | 78.2%-38.9pp | 67.7%-28.4pp |
| Annual return | 15.63% | 33.36%-17.7pp | 64.87%-49.2pp | 35.65%-20.0pp |
| Employer contribution / active EE | $1,442 | $3,103-53.5% | $4,676-69.2% | $2,756-47.7% |
| Participant deferral / active EE | $3,139 | $3,453-9.1% | $5,629-44.2% | $4,299-27.0% |
| Admin fee / account holder | $3,441 | $7,993-57.0% | $15,914-78.4% | $6,940-50.4% |