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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 | $95,531 | $54,541+75.2% | $78,778+21.3% | $70,126+36.2% |
| Participation rate | 53.2% | 60.8%-7.6pp | 69.2%-16.0pp | 69.5%-16.3pp |
| Annual return | 18.17% | 21.07%-2.9pp | 35.62%-17.4pp | 73.15%-55.0pp |
| Employer contribution / active EE | $1,162 | $1,089+6.7% | $1,986-41.5% | $2,343-50.4% |
| Participant deferral / active EE | $2,993 | $2,210+35.4% | $2,958+1.2% | $3,332-10.2% |
| Admin fee / account holder | $28,295 | $3,709+663.0% | $5,134+451.1% | $4,645+509.1% |