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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 | $99,555 | $101,795-2.2% | $165,100-39.7% | $80,959+23.0% |
| Participation rate | 54.4% | 71.8%-17.4pp | 78.6%-24.2pp | 67.7%-13.3pp |
| Annual return | 15.67% | 16.73%-1.1pp | 70.21%-54.5pp | 35.67%-20.0pp |
| Employer contribution / active EE | $1,333 | $2,954-54.9% | $4,348-69.3% | $2,757-51.7% |
| Participant deferral / active EE | $2,702 | $4,476-39.6% | $6,035-55.2% | $4,300-37.2% |
| Admin fee / account holder | $1,839 | $8,221-77.6% | $12,696-85.5% | $6,925-73.4% |