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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 | $109,262 | $81,358+34.3% | $155,556-29.8% | $80,959+35.0% |
| Participation rate | 47.5% | 66.3%-18.8pp | 78.2%-30.8pp | 67.7%-20.2pp |
| Annual return | 15.09% | 33.39%-18.3pp | 64.84%-49.7pp | 35.67%-20.6pp |
| Employer contribution / active EE | $387 | $3,106-87.5% | $4,675-91.7% | $2,757-85.9% |
| Participant deferral / active EE | $3,675 | $3,455+6.4% | $5,631-34.7% | $4,300-14.5% |
| Admin fee / account holder | $3,373 | $7,994-57.8% | $15,885-78.8% | $6,925-51.3% |