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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 | $89,965 | $81,331+10.6% | $155,534-42.2% | $80,935+11.2% |
| Participation rate | 49.5% | 66.3%-16.8pp | 78.2%-28.8pp | 67.7%-18.2pp |
| Annual return | 15.10% | 33.37%-18.3pp | 64.92%-49.8pp | 35.66%-20.6pp |
| Employer contribution / active EE | $2,421 | $3,105-22.0% | $4,675-48.2% | $2,757-12.2% |
| Participant deferral / active EE | $3,988 | $3,454+15.5% | $5,630-29.2% | $4,299-7.2% |
| Admin fee / account holder | $3,697 | $7,999-53.8% | $15,900-76.7% | $6,924-46.6% |