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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 | $95,592 | $74,535+28.2% | $100,712-5.1% | $82,637+15.7% |
| Participation rate | 45.7% | 61.2%-15.5pp | 69.3%-23.6pp | 68.1%-22.4pp |
| Annual return | 15.47% | 18.92%-3.5pp | 33.27%-17.8pp | 53.51%-38.0pp |
| Employer contribution / active EE | $1,784 | $1,503+18.8% | $2,313-22.8% | $2,552-30.1% |
| Participant deferral / active EE | $2,708 | $3,074-11.9% | $4,085-33.7% | $4,126-34.4% |
| Admin fee / account holder | $14,000 | $6,576+112.9% | $9,256+51.2% | $7,339+90.8% |