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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 | $94,939 | $81,358+16.7% | $155,556-39.0% | $80,959+17.3% |
| Participation rate | 31.7% | 66.3%-34.6pp | 78.2%-46.5pp | 67.7%-36.0pp |
| Annual return | 12.55% | 33.39%-20.8pp | 64.84%-52.3pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,942 | $3,106-37.5% | $4,675-58.5% | $2,757-29.6% |
| Participant deferral / active EE | $2,710 | $3,455-21.6% | $5,631-51.9% | $4,300-37.0% |
| Admin fee / account holder | $34,933 | $7,994+337.0% | $15,885+119.9% | $6,925+404.4% |