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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 | $65,208+48.2% | $90,796+6.4% | $71,012+36.1% |
| Participation rate | 13.1% | 54.6%-41.6pp | 69.5%-56.4pp | 58.6%-45.5pp |
| Annual return | 14.34% | 18.25%-3.9pp | 19.29%-5.0pp | 37.67%-23.3pp |
| Employer contribution / active EE | $527 | $1,855-71.6% | $2,294-77.0% | $2,348-77.6% |
| Participant deferral / active EE | $1,131 | $2,737-58.7% | $3,822-70.4% | $3,246-65.1% |
| Admin fee / account holder | $4,158 | $1,639+153.8% | $7,024-40.8% | $1,167+256.3% |