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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 | $94,328 | $99,875-5.6% | $146,866-35.8% | $86,983+8.4% |
| Participation rate | 38.5% | 75.8%-37.3pp | 82.5%-44.0pp | 69.5%-31.1pp |
| Annual return | 16.47% | 28.10%-11.6pp | 102.85%-86.4pp | 25.83%-9.4pp |
| Employer contribution / active EE | $1,318 | $3,224-59.1% | $4,425-70.2% | $2,584-49.0% |
| Participant deferral / active EE | $2,410 | $6,322-61.9% | $7,759-68.9% | $4,194-42.5% |
| Admin fee / account holder | $23,784 | $7,838+203.5% | $13,620+74.6% | $7,856+202.8% |