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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 | $85,695 | $93,055-7.9% | $153,741-44.3% | $80,959+5.9% |
| Participation rate | 43.5% | 69.0%-25.5pp | 77.1%-33.6pp | 67.7%-24.2pp |
| Annual return | 15.28% | 19.97%-4.7pp | 15.71%-0.4pp | 35.67%-20.4pp |
| Employer contribution / active EE | $1,872 | $3,504-46.6% | $5,042-62.9% | $2,757-32.1% |
| Participant deferral / active EE | $3,397 | $5,172-34.3% | $6,757-49.7% | $4,300-21.0% |
| Admin fee / account holder | $2,050 | $8,881-76.9% | $12,749-83.9% | $6,925-70.4% |