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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 | $88,235 | $61,605+43.2% | $112,273-21.4% | $75,173+17.4% |
| Participation rate | 49.3% | 61.7%-12.4pp | 72.4%-23.1pp | 67.2%-17.9pp |
| Annual return | 24.65% | 28.47%-3.8pp | 30.23%-5.6pp | 160.72%-136.1pp |
| Employer contribution / active EE | $1,970 | $2,015-2.3% | $3,431-42.6% | $2,671-26.2% |
| Participant deferral / active EE | $3,936 | $3,108+26.6% | $4,800-18.0% | $4,126-4.6% |
| Admin fee / account holder | $1,974 | $4,862-59.4% | $7,752-74.5% | $5,651-65.1% |