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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 | $105,565 | $94,031+12.3% | $115,768-8.8% | $82,448+28.0% |
| Participation rate | 51.9% | 70.4%-18.6pp | 74.4%-22.5pp | 68.1%-16.2pp |
| Annual return | 15.79% | 20.61%-4.8pp | 100.46%-84.7pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,162 | $2,323-50.0% | $2,940-60.5% | $2,551-54.4% |
| Participant deferral / active EE | $2,257 | $3,972-43.2% | $4,917-54.1% | $4,139-45.5% |
| Admin fee / account holder | $8,131 | $10,249-20.7% | $12,439-34.6% | $7,234+12.4% |