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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 | $96,735 | $76,834+25.9% | $108,359-10.7% | $87,485+10.6% |
| Participation rate | 36.6% | 61.7%-25.1pp | 70.1%-33.5pp | 68.9%-32.3pp |
| Annual return | 15.69% | 19.09%-3.4pp | 36.89%-21.2pp | 26.06%-10.4pp |
| Employer contribution / active EE | $1,539 | $1,556-1.1% | $2,399-35.9% | $2,596-40.7% |
| Participant deferral / active EE | $4,088 | $3,100+31.9% | $4,137-1.2% | $4,274-4.3% |
| Admin fee / account holder | $27,920 | $6,537+327.1% | $9,741+186.6% | $7,775+259.1% |