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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 | $80,267 | $107,421-25.3% | $182,262-56.0% | $94,015-14.6% |
| Participation rate | 51.0% | 77.8%-26.8pp | 84.2%-33.2pp | 70.8%-19.8pp |
| Annual return | 16.58% | 21.32%-4.7pp | 140.60%-124.0pp | 17.84%-1.3pp |
| Employer contribution / active EE | $1,534 | $3,448-55.5% | $5,046-69.6% | $2,790-45.0% |
| Participant deferral / active EE | $3,088 | $6,558-52.9% | $8,276-62.7% | $4,249-27.3% |
| Admin fee / account holder | $2,876 | $8,692-66.9% | $16,712-82.8% | $8,951-67.9% |