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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 | $98,812 | $80,992+22.0% | $96,534+2.4% | $75,173+31.4% |
| Participation rate | 50.0% | 71.8%-21.8pp | 76.0%-26.0pp | 67.2%-17.2pp |
| Annual return | 15.22% | 27.05%-11.8pp | 25.88%-10.7pp | 160.72%-145.5pp |
| Employer contribution / active EE | $1,106 | $2,283-51.5% | $2,965-62.7% | $2,671-58.6% |
| Participant deferral / active EE | $2,885 | $3,929-26.6% | $4,851-40.5% | $4,126-30.1% |
| Admin fee / account holder | $874 | $6,717-87.0% | $8,253-89.4% | $5,651-84.5% |