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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 | $105,820 | $98,766+7.1% | $149,730-29.3% | $79,852+32.5% |
| Participation rate | 51.4% | 75.8%-24.4pp | 82.5%-31.1pp | 69.6%-18.3pp |
| Annual return | 15.80% | 27.43%-11.6pp | 276.70%-260.9pp | 31.72%-15.9pp |
| Employer contribution / active EE | $1,150 | $3,217-64.3% | $4,645-75.2% | $2,471-53.5% |
| Participant deferral / active EE | $2,947 | $5,681-48.1% | $6,843-56.9% | $3,740-21.2% |
| Admin fee / account holder | $26,400 | $6,052+336.2% | $9,310+183.5% | $5,306+397.5% |