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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 | $97,550-3.6% | $120,344-21.8% | $87,485+7.5% |
| Participation rate | 49.4% | 72.8%-23.4pp | 76.7%-27.3pp | 68.9%-19.5pp |
| Annual return | 15.25% | 18.41%-3.2pp | 20.30%-5.1pp | 26.06%-10.8pp |
| Employer contribution / active EE | $1,400 | $2,291-38.9% | $3,020-53.7% | $2,596-46.1% |
| Participant deferral / active EE | $3,226 | $4,230-23.7% | $5,135-37.2% | $4,274-24.5% |
| Admin fee / account holder | $1,428 | $9,543-85.0% | $12,742-88.8% | $7,775-81.6% |