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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 | $96,332 | $72,269+33.3% | $101,271-4.9% | $79,852+20.6% |
| Participation rate | 60.0% | 68.5%-8.5pp | 75.8%-15.8pp | 69.6%-9.6pp |
| Annual return | 12.02% | 22.29%-10.3pp | 46.48%-34.5pp | 31.72%-19.7pp |
| Employer contribution / active EE | $1,332 | $2,692-50.5% | $3,660-63.6% | $2,471-46.1% |
| Participant deferral / active EE | $3,632 | $3,282+10.7% | $4,371-16.9% | $3,740-2.9% |
| Admin fee / account holder | $13,311 | $4,401+202.5% | $5,948+123.8% | $5,306+150.9% |