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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 | $96,204 | $90,400+6.4% | $186,193-48.3% | $87,485+10.0% |
| Participation rate | 39.3% | 66.2%-26.9pp | 77.1%-37.8pp | 68.9%-29.6pp |
| Annual return | 14.06% | 22.15%-8.1pp | 78.03%-64.0pp | 26.06%-12.0pp |
| Employer contribution / active EE | $812 | $2,170-62.6% | $3,918-79.3% | $2,596-68.7% |
| Participant deferral / active EE | $3,468 | $4,330-19.9% | $6,513-46.8% | $4,274-18.8% |
| Admin fee / account holder | $2,592 | $8,673-70.1% | $11,058-76.6% | $7,775-66.7% |