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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 | $87,880 | $80,983+8.5% | $96,544-9.0% | $75,177+16.9% |
| Participation rate | 41.3% | 71.8%-30.5pp | 76.0%-34.7pp | 67.2%-25.9pp |
| Annual return | 16.11% | 27.05%-10.9pp | 25.88%-9.8pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,546 | $2,282-32.2% | $2,966-47.9% | $2,671-42.1% |
| Participant deferral / active EE | $2,709 | $3,929-31.1% | $4,851-44.2% | $4,126-34.4% |
| Admin fee / account holder | $18,564 | $6,717+176.4% | $8,254+124.9% | $5,651+228.5% |