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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 | $95,692 | $95,453+0.2% | $112,040-14.6% | $82,448+16.1% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.5%-26.5pp | 68.1%-18.1pp |
| Annual return | 18.24% | 23.92%-5.7pp | 24.52%-6.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,023 | $2,318-55.9% | $2,954-65.4% | $2,551-59.9% |
| Participant deferral / active EE | $2,965 | $4,224-29.8% | $5,098-41.8% | $4,139-28.4% |
| Admin fee / account holder | $12,457 | $9,013+38.2% | $12,098+3.0% | $7,234+72.2% |