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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 | $117,047 | $71,523+63.6% | $98,461+18.9% | $71,511+63.7% |
| Participation rate | 44.4% | 72.7%-28.3pp | 75.2%-30.8pp | 67.9%-23.6pp |
| Annual return | 14.46% | 32.43%-18.0pp | 21.17%-6.7pp | 28.86%-14.4pp |
| Employer contribution / active EE | $721 | $2,399-70.0% | $3,049-76.4% | $2,589-72.2% |
| Participant deferral / active EE | $3,922 | $4,109-4.5% | $4,738-17.2% | $4,291-8.6% |
| Admin fee / account holder | $10,489 | $1,676+525.9% | $8,961+17.1% | $1,588+560.3% |