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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 | $97,399 | $76,696+27.0% | $96,515+0.9% | $71,511+36.2% |
| Participation rate | 42.0% | 66.6%-24.6pp | 74.3%-32.3pp | 67.9%-25.9pp |
| Annual return | 15.24% | 48.32%-33.1pp | 35.73%-20.5pp | 28.86%-13.6pp |
| Employer contribution / active EE | $1,516 | $3,032-50.0% | $3,740-59.5% | $2,589-41.4% |
| Participant deferral / active EE | $2,705 | $3,770-28.3% | $4,880-44.6% | $4,291-37.0% |
| Admin fee / account holder | $11,935 | $2,030+488.0% | $6,735+77.2% | $1,588+651.4% |