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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 | $98,214 | $73,787+33.1% | $98,716-0.5% | $82,448+19.1% |
| Participation rate | 48.0% | 61.4%-13.4pp | 69.3%-21.3pp | 68.1%-20.1pp |
| Annual return | 13.38% | 18.57%-5.2pp | 31.81%-18.4pp | 41.64%-28.3pp |
| Employer contribution / active EE | $370 | $1,511-75.5% | $2,279-83.7% | $2,551-85.5% |
| Participant deferral / active EE | $2,783 | $3,081-9.7% | $4,048-31.2% | $4,139-32.8% |
| Admin fee / account holder | $4,662 | $6,500-28.3% | $8,703-46.4% | $7,234-35.6% |