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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 | $90,345 | $83,485+8.2% | $125,195-27.8% | $72,976+23.8% |
| Participation rate | 29.6% | 73.3%-43.7pp | 79.8%-50.2pp | 69.5%-39.9pp |
| Annual return | 23.45% | 25.77%-2.3pp | 43.79%-20.3pp | 81.02%-57.6pp |
| Employer contribution / active EE | $936 | $2,346-60.1% | $3,866-75.8% | $2,440-61.6% |
| Participant deferral / active EE | $2,417 | $3,586-32.6% | $4,937-51.0% | $3,608-33.0% |
| Admin fee / account holder | $3,142 | $5,518-43.1% | $9,704-67.6% | $5,124-38.7% |