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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 | $95,670 | $80,992+18.1% | $96,534-0.9% | $75,173+27.3% |
| Participation rate | 51.4% | 71.8%-20.4pp | 76.0%-24.6pp | 67.2%-15.9pp |
| Annual return | 17.79% | 27.05%-9.3pp | 25.88%-8.1pp | 160.72%-142.9pp |
| Employer contribution / active EE | $1,036 | $2,283-54.6% | $2,965-65.1% | $2,671-61.2% |
| Participant deferral / active EE | $3,045 | $3,929-22.5% | $4,851-37.2% | $4,126-26.2% |
| Admin fee / account holder | $48,816 | $6,717+626.7% | $8,253+491.5% | $5,651+763.9% |