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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 | $94,069 | $95,453-1.5% | $112,040-16.0% | $82,448+14.1% |
| Participation rate | 49.4% | 72.8%-23.3pp | 76.5%-27.1pp | 68.1%-18.7pp |
| Annual return | 15.25% | 23.92%-8.7pp | 24.52%-9.3pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,400 | $2,318-39.6% | $2,954-52.6% | $2,551-45.1% |
| Participant deferral / active EE | $3,226 | $4,224-23.6% | $5,098-36.7% | $4,139-22.1% |
| Admin fee / account holder | $1,428 | $9,013-84.2% | $12,098-88.2% | $7,234-80.3% |