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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 | $83,079 | $41,016+102.6% | $152,093-45.4% | $64,097+29.6% |
| Participation rate | 38.3% | 51.3%-13.1pp | 77.8%-39.5pp | 55.2%-16.9pp |
| Annual return | 16.33% | 39.60%-23.3pp | 66.36%-50.0pp | 34.64%-18.3pp |
| Employer contribution / active EE | $1,341 | $1,342-0.1% | $4,175-67.9% | $1,891-29.1% |
| Participant deferral / active EE | $2,963 | $1,927+53.7% | $5,451-45.6% | $3,080-3.8% |
| Admin fee / account holder | $3,470 | $2,305+50.5% | $14,497-76.1% | $3,454+0.4% |