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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 | $86,155 | $81,403+5.8% | $147,027-41.4% | $87,485-1.5% |
| Participation rate | 33.3% | 63.4%-30.1pp | 73.7%-40.4pp | 68.9%-35.6pp |
| Annual return | 12.76% | 16.51%-3.8pp | 20.23%-7.5pp | 26.06%-13.3pp |
| Employer contribution / active EE | $804 | $2,205-63.6% | $3,626-77.8% | $2,596-69.0% |
| Participant deferral / active EE | $1,405 | $3,315-57.6% | $4,933-71.5% | $4,274-67.1% |
| Admin fee / account holder | $14,756 | $6,755+118.5% | $12,223+20.7% | $7,775+89.8% |