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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 | $99,384 | $75,541+31.6% | $152,093-34.7% | $82,637+20.3% |
| Participation rate | 32.3% | 66.5%-34.3pp | 77.8%-45.5pp | 68.1%-35.8pp |
| Annual return | 13.99% | 32.56%-18.6pp | 66.36%-52.4pp | 53.51%-39.5pp |
| Employer contribution / active EE | $631 | $2,622-75.9% | $4,175-84.9% | $2,552-75.3% |
| Participant deferral / active EE | $2,261 | $3,206-29.5% | $5,451-58.5% | $4,126-45.2% |
| Admin fee / account holder | $19,423 | $6,405+203.3% | $14,497+34.0% | $7,339+164.7% |