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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 | $92,307 | $77,896+18.5% | $134,172-31.2% | $82,448+12.0% |
| Participation rate | 38.9% | 62.8%-23.9pp | 72.5%-33.6pp | 68.1%-29.2pp |
| Annual return | 17.18% | 18.21%-1.0pp | 25.30%-8.1pp | 41.64%-24.5pp |
| Employer contribution / active EE | $899 | $2,159-58.4% | $3,420-73.7% | $2,551-64.7% |
| Participant deferral / active EE | $2,371 | $3,162-25.0% | $4,690-49.5% | $4,139-42.7% |
| Admin fee / account holder | $5,410 | $6,336-14.6% | $12,016-55.0% | $7,234-25.2% |