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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 | $84,298 | $56,894+48.2% | $84,753-0.5% | $62,881+34.1% |
| Participation rate | 40.0% | 68.5%-28.5pp | 76.6%-36.6pp | 69.3%-29.3pp |
| Annual return | 5.21% | 6.30%-1.1pp | 22.78%-17.6pp | 20.14%-14.9pp |
| Employer contribution / active EE | $1,567 | $2,400-34.7% | $3,574-56.1% | $2,281-31.3% |
| Participant deferral / active EE | $2,834 | $2,709+4.6% | $3,712-23.6% | $3,203-11.5% |
| Admin fee / account holder | $18,658 | $3,581+421.0% | $5,333+249.9% | $4,296+334.3% |