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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 | $97,767 | $87,060+12.3% | $105,591-7.4% | $80,911+20.8% |
| Participation rate | 58.5% | 70.4%-12.0pp | 75.3%-16.8pp | 67.6%-9.2pp |
| Annual return | 13.21% | 17.05%-3.8pp | 116.43%-103.2pp | 35.63%-22.4pp |
| Employer contribution / active EE | $1,275 | $2,396-46.8% | $3,166-59.7% | $2,756-53.7% |
| Participant deferral / active EE | $2,538 | $3,986-36.3% | $5,008-49.3% | $4,297-40.9% |
| Admin fee / account holder | $7,905 | $8,442-6.4% | $11,024-28.3% | $6,935+14.0% |