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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 | $95,335 | $81,487+17.0% | $102,412-6.9% | $80,935+17.8% |
| Participation rate | 38.7% | 66.8%-28.1pp | 74.5%-35.8pp | 67.7%-29.0pp |
| Annual return | 13.89% | 25.60%-11.7pp | 24.94%-11.0pp | 35.66%-21.8pp |
| Employer contribution / active EE | $1,078 | $3,103-65.3% | $3,870-72.1% | $2,757-60.9% |
| Participant deferral / active EE | $2,421 | $3,871-37.5% | $5,060-52.2% | $4,299-43.7% |
| Admin fee / account holder | $4,740 | $6,717-29.4% | $8,388-43.5% | $6,924-31.6% |