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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 | $101,648 | $86,341+17.7% | $125,192-18.8% | $65,185+55.9% |
| Participation rate | 48.0% | 75.3%-27.3pp | 79.8%-31.7pp | 70.2%-22.2pp |
| Annual return | 24.74% | 27.44%-2.7pp | 43.79%-19.0pp | 29.38%-4.6pp |
| Employer contribution / active EE | $1,299 | $2,040-36.3% | $3,866-66.4% | $2,177-40.3% |
| Participant deferral / active EE | $2,527 | $3,538-28.6% | $4,937-48.8% | $3,514-28.1% |
| Admin fee / account holder | $2,172 | $609+256.5% | $9,704-77.6% | $847+156.4% |