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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 | $85,325 | $87,059-2.0% | $105,608-19.2% | $80,925+5.4% |
| Participation rate | 52.1% | 70.4%-18.4pp | 75.3%-23.2pp | 67.7%-15.6pp |
| Annual return | 11.84% | 17.05%-5.2pp | 116.50%-104.7pp | 35.65%-23.8pp |
| Employer contribution / active EE | $1,124 | $2,396-53.1% | $3,167-64.5% | $2,756-59.2% |
| Participant deferral / active EE | $2,451 | $3,986-38.5% | $5,010-51.1% | $4,299-43.0% |
| Admin fee / account holder | $932 | $8,443-89.0% | $11,028-91.5% | $6,940-86.6% |