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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 | $89,421 | $91,120-1.9% | $161,149-44.5% | $64,097+39.5% |
| Participation rate | 54.1% | 62.2%-8.1pp | 78.8%-24.8pp | 55.2%-1.1pp |
| Annual return | 16.98% | 17.95%-1.0pp | 21.16%-4.2pp | 34.64%-17.7pp |
| Employer contribution / active EE | $771 | $2,284-66.2% | $4,360-82.3% | $1,891-59.2% |
| Participant deferral / active EE | $3,883 | $3,708+4.7% | $6,153-36.9% | $3,080+26.1% |
| Admin fee / account holder | $12,668 | $4,535+179.3% | $15,194-16.6% | $3,454+266.7% |