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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 | $96,345 | $85,515+12.7% | $112,040-14.0% | $67,986+41.7% |
| Participation rate | 43.9% | 68.2%-24.3pp | 76.5%-32.6pp | 57.2%-13.3pp |
| Annual return | 16.06% | 29.68%-13.6pp | 24.52%-8.5pp | 31.67%-15.6pp |
| Employer contribution / active EE | $1,198 | $2,191-45.3% | $2,954-59.5% | $2,019-40.7% |
| Participant deferral / active EE | $2,500 | $4,014-37.7% | $5,098-51.0% | $3,358-25.6% |
| Admin fee / account holder | $13,238 | $3,774+250.8% | $12,098+9.4% | $3,203+313.3% |