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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 | $93,415 | $95,453-2.1% | $112,040-16.6% | $82,448+13.3% |
| Participation rate | 34.5% | 72.8%-38.3pp | 76.5%-42.0pp | 68.1%-33.6pp |
| Annual return | 13.10% | 23.92%-10.8pp | 24.52%-11.4pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,791 | $2,318-22.7% | $2,954-39.4% | $2,551-29.8% |
| Participant deferral / active EE | $2,835 | $4,224-32.9% | $5,098-44.4% | $4,139-31.5% |
| Admin fee / account holder | $13,259 | $9,013+47.1% | $12,098+9.6% | $7,234+83.3% |