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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 | $110,510 | $87,060+26.9% | $105,591+4.7% | $80,911+36.6% |
| Participation rate | 47.3% | 70.4%-23.2pp | 75.3%-28.0pp | 67.6%-20.4pp |
| Annual return | 11.60% | 17.05%-5.4pp | 116.43%-104.8pp | 35.63%-24.0pp |
| Employer contribution / active EE | $1,282 | $2,396-46.5% | $3,166-59.5% | $2,756-53.5% |
| Participant deferral / active EE | $2,932 | $3,986-26.4% | $5,008-41.5% | $4,297-31.8% |
| Admin fee / account holder | $11,223 | $8,442+32.9% | $11,024+1.8% | $6,935+61.8% |