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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 | $109,522 | $108,825+0.6% | $156,181-29.9% | $82,448+32.8% |
| Participation rate | 31.4% | 72.4%-41.0pp | 78.8%-47.5pp | 68.1%-36.7pp |
| Annual return | 20.82% | 20.59%+0.2pp | 64.87%-44.1pp | 41.64%-20.8pp |
| Employer contribution / active EE | $820 | $2,870-71.4% | $4,294-80.9% | $2,551-67.8% |
| Participant deferral / active EE | $2,307 | $4,577-49.6% | $6,132-62.4% | $4,139-44.3% |
| Admin fee / account holder | $11,117 | $9,341+19.0% | $14,586-23.8% | $7,234+53.7% |