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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 | $108,197 | $65,246+65.8% | $98,716+9.6% | $67,986+59.1% |
| Participation rate | 27.2% | 51.4%-24.2pp | 69.3%-42.1pp | 57.2%-30.0pp |
| Annual return | 15.04% | 20.58%-5.5pp | 31.81%-16.8pp | 31.67%-16.6pp |
| Employer contribution / active EE | $1,033 | $1,042-0.9% | $2,279-54.7% | $2,019-48.8% |
| Participant deferral / active EE | $1,273 | $2,594-50.9% | $4,048-68.6% | $3,358-62.1% |
| Admin fee / account holder | $2,394 | $4,561-47.5% | $8,703-72.5% | $3,203-25.3% |