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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 | $93,704 | $91,760+2.1% | $156,181-40.0% | $67,986+37.8% |
| Participation rate | 40.5% | 65.0%-24.5pp | 78.8%-38.3pp | 57.2%-16.7pp |
| Annual return | 14.31% | 18.14%-3.8pp | 64.87%-50.6pp | 31.67%-17.4pp |
| Employer contribution / active EE | $1,320 | $2,419-45.4% | $4,294-69.3% | $2,019-34.6% |
| Participant deferral / active EE | $2,200 | $3,960-44.5% | $6,132-64.1% | $3,358-34.5% |
| Admin fee / account holder | $1,238 | $3,949-68.7% | $14,586-91.5% | $3,203-61.4% |