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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 | $90,816 | $81,476+11.5% | $102,383-11.3% | $80,925+12.2% |
| Participation rate | 53.7% | 66.8%-13.2pp | 74.5%-20.9pp | 67.7%-14.0pp |
| Annual return | 16.19% | 25.59%-9.4pp | 24.94%-8.7pp | 35.65%-19.5pp |
| Employer contribution / active EE | $1,402 | $3,105-54.8% | $3,870-63.8% | $2,756-49.1% |
| Participant deferral / active EE | $3,614 | $3,871-6.6% | $5,060-28.6% | $4,299-15.9% |
| Admin fee / account holder | $2,181 | $6,717-67.5% | $8,391-74.0% | $6,940-68.6% |