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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 | $87,180-1.2% | $173,703-50.4% | $94,015-8.4% |
| Participation rate | 33.3% | 65.6%-32.3pp | 75.9%-42.6pp | 70.8%-37.5pp |
| Annual return | 12.76% | 14.17%-1.4pp | 17.46%-4.7pp | 17.84%-5.1pp |
| Employer contribution / active EE | $804 | $2,494-67.8% | $4,288-81.3% | $2,790-71.2% |
| Participant deferral / active EE | $1,405 | $3,343-58.0% | $4,854-71.1% | $4,249-66.9% |
| Admin fee / account holder | $14,756 | $7,506+96.6% | $15,562-5.2% | $8,951+64.8% |