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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 | $92,985-7.8% | $153,432-44.1% | $80,874+6.0% |
| Participation rate | 43.5% | 69.0%-25.5pp | 77.1%-33.6pp | 67.6%-24.2pp |
| Annual return | 15.28% | 19.95%-4.7pp | 15.66%-0.4pp | 35.62%-20.3pp |
| Employer contribution / active EE | $1,872 | $3,507-46.6% | $5,038-62.8% | $2,756-32.0% |
| Participant deferral / active EE | $3,397 | $5,178-34.4% | $6,757-49.7% | $4,297-21.0% |
| Admin fee / account holder | $2,050 | $8,880-76.9% | $12,725-83.9% | $6,935-70.4% |