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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 | $76,407+30.1% | $150,298-33.9% | $82,448+20.5% |
| Participation rate | 32.3% | 66.4%-34.1pp | 77.8%-45.5pp | 68.1%-35.8pp |
| Annual return | 13.99% | 39.99%-26.0pp | 62.79%-48.8pp | 41.64%-27.7pp |
| Employer contribution / active EE | $631 | $2,614-75.9% | $4,154-84.8% | $2,551-75.3% |
| Participant deferral / active EE | $2,261 | $3,214-29.7% | $5,453-58.5% | $4,139-45.4% |
| Admin fee / account holder | $19,423 | $6,352+205.8% | $14,116+37.6% | $7,234+168.5% |