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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 | $83,381 | $105,284-20.8% | $150,734-44.7% | $94,015-11.3% |
| Participation rate | 47.5% | 71.7%-24.2pp | 78.4%-30.9pp | 70.8%-23.3pp |
| Annual return | 16.45% | 15.67%+0.8pp | 600.81%-584.4pp | 17.84%-1.4pp |
| Employer contribution / active EE | $2,154 | $3,599-40.1% | $4,918-56.2% | $2,790-22.8% |
| Participant deferral / active EE | $4,457 | $4,274+4.3% | $5,610-20.5% | $4,249+4.9% |
| Admin fee / account holder | $10,923 | $9,839+11.0% | $14,905-26.7% | $8,951+22.0% |