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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 | $90,742 | $97,550-7.0% | $120,344-24.6% | $87,485+3.7% |
| Participation rate | 58.3% | 72.8%-14.5pp | 76.7%-18.4pp | 68.9%-10.6pp |
| Annual return | 13.24% | 18.41%-5.2pp | 20.30%-7.1pp | 26.06%-12.8pp |
| Employer contribution / active EE | $1,450 | $2,291-36.7% | $3,020-52.0% | $2,596-44.2% |
| Participant deferral / active EE | $2,846 | $4,230-32.7% | $5,135-44.6% | $4,274-33.4% |
| Admin fee / account holder | $20,923 | $9,543+119.3% | $12,742+64.2% | $7,775+169.1% |