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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 | $98,935 | $101,950-3.0% | $125,529-21.2% | $86,983+13.7% |
| Participation rate | 46.3% | 70.2%-23.8pp | 74.7%-28.4pp | 69.5%-23.2pp |
| Annual return | 12.80% | 18.29%-5.5pp | 202.56%-189.8pp | 25.83%-13.0pp |
| Employer contribution / active EE | $1,473 | $2,358-37.6% | $3,058-51.8% | $2,584-43.0% |
| Participant deferral / active EE | $2,742 | $3,862-29.0% | $4,813-43.0% | $4,194-34.6% |
| Admin fee / account holder | $3,553 | $12,791-72.2% | $16,298-78.2% | $7,856-54.8% |