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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 | $98,852 | $73,107+35.2% | $114,563-13.7% | $87,485+13.0% |
| Participation rate | 47.5% | 65.8%-18.3pp | 72.9%-25.4pp | 68.9%-21.5pp |
| Annual return | 17.24% | 19.47%-2.2pp | 241.09%-223.9pp | 26.06%-8.8pp |
| Employer contribution / active EE | $1,538 | $1,881-18.3% | $2,592-40.7% | $2,596-40.8% |
| Participant deferral / active EE | $2,971 | $3,144-5.5% | $4,142-28.3% | $4,274-30.5% |
| Admin fee / account holder | $2,831 | $5,770-50.9% | $7,623-62.9% | $7,775-63.6% |