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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 | $92,118 | $81,504+13.0% | $102,437-10.1% | $80,959+13.8% |
| Participation rate | 41.1% | 66.9%-25.7pp | 74.5%-33.4pp | 67.7%-26.6pp |
| Annual return | 11.40% | 25.60%-14.2pp | 24.95%-13.5pp | 35.67%-24.3pp |
| Employer contribution / active EE | $1,069 | $3,104-65.5% | $3,871-72.4% | $2,757-61.2% |
| Participant deferral / active EE | $2,863 | $3,871-26.0% | $5,060-43.4% | $4,300-33.4% |
| Admin fee / account holder | $47,300 | $6,719+603.9% | $8,388+463.9% | $6,925+583.0% |