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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 | $96,694 | $56,894+70.0% | $84,753+14.1% | $62,881+53.8% |
| Participation rate | 48.4% | 68.5%-20.2pp | 76.6%-28.2pp | 69.3%-20.9pp |
| Annual return | 9.04% | 6.30%+2.7pp | 22.78%-13.7pp | 20.14%-11.1pp |
| Employer contribution / active EE | $1,128 | $2,400-53.0% | $3,574-68.4% | $2,281-50.6% |
| Participant deferral / active EE | $2,072 | $2,709-23.5% | $3,712-44.2% | $3,203-35.3% |
| Admin fee / account holder | $1,660 | $3,581-53.7% | $5,333-68.9% | $4,296-61.4% |