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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 | $89,182 | $74,535+19.7% | $100,712-11.4% | $82,637+7.9% |
| Participation rate | 26.7% | 61.2%-34.5pp | 69.3%-42.6pp | 68.1%-41.4pp |
| Annual return | 16.90% | 18.92%-2.0pp | 33.27%-16.4pp | 53.51%-36.6pp |
| Employer contribution / active EE | $812 | $1,503-46.0% | $2,313-64.9% | $2,552-68.2% |
| Participant deferral / active EE | $2,046 | $3,074-33.5% | $4,085-49.9% | $4,126-50.4% |
| Admin fee / account holder | $572 | $6,576-91.3% | $9,256-93.8% | $7,339-92.2% |