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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 | $88,651 | $101,798-12.9% | $165,071-46.3% | $80,935+9.5% |
| Participation rate | 45.5% | 71.8%-26.4pp | 78.6%-33.2pp | 67.7%-22.2pp |
| Annual return | 14.02% | 16.73%-2.7pp | 70.17%-56.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $1,232 | $2,954-58.3% | $4,347-71.7% | $2,757-55.3% |
| Participant deferral / active EE | $4,475 | $4,4760% | $6,035-25.8% | $4,299+4.1% |
| Admin fee / account holder | $9,407 | $8,221+14.4% | $12,695-25.9% | $6,924+35.9% |