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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 | $92,883 | $110,137-15.7% | $161,149-42.4% | $82,637+12.4% |
| Participation rate | 49.1% | 72.4%-23.3pp | 78.8%-29.8pp | 68.1%-19.0pp |
| Annual return | 14.33% | 20.69%-6.4pp | 21.16%-6.8pp | 53.51%-39.2pp |
| Employer contribution / active EE | $1,350 | $2,856-52.7% | $4,360-69.0% | $2,552-47.1% |
| Participant deferral / active EE | $2,679 | $4,575-41.4% | $6,153-56.5% | $4,126-35.1% |
| Admin fee / account holder | $10,168 | $9,467+7.4% | $15,194-33.1% | $7,339+38.6% |