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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 | $103,735 | $78,027+32.9% | $178,528-41.9% | $80,925+28.2% |
| Participation rate | 42.2% | 65.7%-23.5pp | 77.1%-34.9pp | 67.7%-25.4pp |
| Annual return | 15.00% | 18.09%-3.1pp | 27.11%-12.1pp | 35.65%-20.7pp |
| Employer contribution / active EE | $811 | $2,281-64.4% | $3,950-79.5% | $2,756-70.6% |
| Participant deferral / active EE | $1,511 | $4,408-65.7% | $6,278-75.9% | $4,299-64.9% |
| Admin fee / account holder | $11,506 | $7,168+60.5% | $10,419+10.4% | $6,940+65.8% |