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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 | $103,823 | $99,633+4.2% | $183,328-43.4% | $82,448+25.9% |
| Participation rate | 45.9% | 70.8%-24.8pp | 77.3%-31.4pp | 68.1%-22.1pp |
| Annual return | 15.15% | 17.84%-2.7pp | 29.67%-14.5pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,427 | $3,256-25.5% | $5,055-52.0% | $2,551-4.8% |
| Participant deferral / active EE | $2,958 | $4,938-40.1% | $6,795-56.5% | $4,139-28.5% |
| Admin fee / account holder | $19,410 | $9,934+95.4% | $21,427-9.4% | $7,234+168.3% |