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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 | $94,725 | $101,798-6.9% | $165,071-42.6% | $80,935+17.0% |
| Participation rate | 33.3% | 71.8%-38.5pp | 78.6%-45.3pp | 67.7%-34.3pp |
| Annual return | 12.08% | 16.73%-4.6pp | 70.17%-58.1pp | 35.66%-23.6pp |
| Employer contribution / active EE | $1,200 | $2,954-59.4% | $4,347-72.4% | $2,757-56.5% |
| Participant deferral / active EE | $2,717 | $4,476-39.3% | $6,035-55.0% | $4,299-36.8% |
| Admin fee / account holder | $30,246 | $8,221+267.9% | $12,695+138.3% | $6,924+336.8% |