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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 | $99,625 | $41,377+140.8% | $109,313-8.9% | $62,881+58.4% |
| Participation rate | 45.3% | 57.5%-12.2pp | 71.3%-25.9pp | 69.3%-24.0pp |
| Annual return | 6.55% | 11.05%-4.5pp | 22.07%-15.5pp | 20.14%-13.6pp |
| Employer contribution / active EE | $549 | $1,276-57.0% | $3,892-85.9% | $2,281-75.9% |
| Participant deferral / active EE | $1,209 | $2,045-40.9% | $3,166-61.8% | $3,203-62.2% |
| Admin fee / account holder | $3,781 | $2,884+31.1% | $5,666-33.3% | $4,296-12.0% |