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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 | $84,197 | $78,015+7.9% | $178,505-52.8% | $80,959+4.0% |
| Participation rate | 42.3% | 65.7%-23.4pp | 77.1%-34.8pp | 67.7%-25.4pp |
| Annual return | 14.16% | 18.10%-3.9pp | 27.16%-13.0pp | 35.67%-21.5pp |
| Employer contribution / active EE | $1,552 | $2,281-32.0% | $3,955-60.8% | $2,757-43.7% |
| Participant deferral / active EE | $4,147 | $4,406-5.9% | $6,280-34.0% | $4,300-3.6% |
| Admin fee / account holder | $1,833 | $7,160-74.4% | $10,428-82.4% | $6,925-73.5% |