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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 | $99,335 | $79,867+24.4% | $120,344-17.5% | $64,340+54.4% |
| Participation rate | 38.6% | 63.0%-24.4pp | 76.7%-38.1pp | 55.2%-16.6pp |
| Annual return | 14.64% | 21.10%-6.5pp | 20.30%-5.7pp | 24.14%-9.5pp |
| Employer contribution / active EE | $1,769 | $1,925-8.1% | $3,020-41.4% | $1,862-5.0% |
| Participant deferral / active EE | $2,659 | $3,593-26.0% | $5,135-48.2% | $2,980-10.8% |
| Admin fee / account holder | $12,977 | $5,039+157.5% | $12,742+1.8% | $3,703+250.5% |