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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 | $92,661 | $76,550+21.0% | $123,894-25.2% | $62,881+47.4% |
| Participation rate | 55.0% | 73.0%-18.0pp | 81.4%-26.4pp | 69.3%-14.3pp |
| Annual return | 10.23% | 18.67%-8.4pp | 47.52%-37.3pp | 20.14%-9.9pp |
| Employer contribution / active EE | $1,092 | $2,882-62.1% | $4,617-76.3% | $2,281-52.1% |
| Participant deferral / active EE | $7,470 | $4,840+54.3% | $5,984+24.8% | $3,203+133.2% |
| Admin fee / account holder | $15,742 | $4,826+226.2% | $8,357+88.4% | $4,296+266.5% |