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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 | $96,614 | $140,800-31.4% | $89,340+8.1% | $79,634+21.3% |
| Participation rate | 13.1% | 61.9%-48.9pp | 69.6%-56.5pp | 62.5%-49.4pp |
| Annual return | 14.34% | 17.84%-3.5pp | 20.57%-6.2pp | 36.46%-22.1pp |
| Employer contribution / active EE | $527 | $2,021-73.9% | $2,231-76.4% | $2,529-79.2% |
| Participant deferral / active EE | $1,131 | $3,219-64.9% | $3,823-70.4% | $3,835-70.5% |
| Admin fee / account holder | $4,158 | $1,610+158.2% | $6,704-38.0% | $1,002+315.0% |