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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 | $113,493 | $117,904-3.7% | $102,457+10.8% | $145,978-22.3% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 10.98% | 31.80%-20.8pp | 29.41%-18.4pp | 550.52%-539.5pp |
| Employer contribution / active EE | $2,068 | $3,613-42.8% | $3,022-31.6% | $4,662-55.6% |
| Participant deferral / active EE | $4,083 | $5,733-28.8% | $5,054-19.2% | $6,690-39.0% |
| Admin fee / account holder | $1,504 | $13,329-88.7% | $9,451-84.1% | $13,400-88.8% |