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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 | $92,232 | $95,453-3.4% | $112,040-17.7% | $82,448+11.9% |
| Participation rate | 39.7% | 72.8%-33.1pp | 76.5%-36.8pp | 68.1%-28.4pp |
| Annual return | 14.16% | 23.92%-9.8pp | 24.52%-10.4pp | 41.64%-27.5pp |
| Employer contribution / active EE | $2,175 | $2,318-6.2% | $2,954-26.4% | $2,551-14.7% |
| Participant deferral / active EE | $3,756 | $4,224-11.1% | $5,098-26.3% | $4,139-9.2% |
| Admin fee / account holder | $14,395 | $9,013+59.7% | $12,098+19.0% | $7,234+99.0% |