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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 | $108,368 | $77,814+39.3% | $158,223-31.5% | $86,983+24.6% |
| Participation rate | 37.5% | 68.4%-30.9pp | 79.2%-41.7pp | 69.5%-32.0pp |
| Annual return | 15.82% | 30.54%-14.7pp | 52.09%-36.3pp | 25.83%-10.0pp |
| Employer contribution / active EE | $1,737 | $2,592-33.0% | $4,109-57.7% | $2,584-32.8% |
| Participant deferral / active EE | $2,850 | $3,270-12.8% | $5,467-47.9% | $4,194-32.0% |
| Admin fee / account holder | $1,138 | $5,879-80.6% | $16,047-92.9% | $7,856-85.5% |