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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 | $103,022 | $86,938+18.5% | $102,423+0.6% | $80,925+27.3% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.7%-17.7pp |
| Annual return | 15.67% | 18.89%-3.2pp | 29.42%-13.8pp | 35.65%-20.0pp |
| Employer contribution / active EE | $1,320 | $2,369-44.3% | $3,023-56.3% | $2,756-52.1% |
| Participant deferral / active EE | $2,287 | $4,120-44.5% | $5,054-54.8% | $4,299-46.8% |
| Admin fee / account holder | $1,654 | $8,053-79.5% | $9,455-82.5% | $6,940-76.2% |