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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 | $86,989 | $89,370-2.7% | $141,197-38.4% | $72,976+19.2% |
| Participation rate | 58.3% | 75.1%-16.8pp | 82.5%-24.1pp | 69.5%-11.2pp |
| Annual return | 25.36% | 111.88%-86.5pp | 71.41%-46.0pp | 81.02%-55.7pp |
| Employer contribution / active EE | $1,083 | $3,115-65.2% | $4,736-77.1% | $2,440-55.6% |
| Participant deferral / active EE | $2,942 | $5,419-45.7% | $6,710-56.2% | $3,608-18.5% |
| Admin fee / account holder | $11,745 | $5,957+97.2% | $10,265+14.4% | $5,124+129.2% |