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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 | $112,554 | $97,648+15.3% | $121,663-7.5% | $87,485+28.7% |
| Participation rate | 62.0% | 70.5%-8.5pp | 74.5%-12.5pp | 68.9%-7.0pp |
| Annual return | 13.70% | 18.03%-4.3pp | 147.54%-133.8pp | 26.06%-12.4pp |
| Employer contribution / active EE | $715 | $2,300-68.9% | $3,020-76.3% | $2,596-72.4% |
| Participant deferral / active EE | $3,924 | $3,9230% | $4,887-19.7% | $4,274-8.2% |
| Admin fee / account holder | $7,975 | $11,100-28.2% | $14,289-44.2% | $7,775+2.6% |