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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 | $93,057-7.9% | $153,500-44.2% | $80,925+5.9% |
| Participation rate | 43.5% | 69.0%-25.5pp | 77.1%-33.6pp | 67.7%-24.2pp |
| Annual return | 15.28% | 19.96%-4.7pp | 15.70%-0.4pp | 35.65%-20.4pp |
| Employer contribution / active EE | $1,872 | $3,507-46.6% | $5,039-62.8% | $2,756-32.1% |
| Participant deferral / active EE | $3,397 | $5,179-34.4% | $6,756-49.7% | $4,299-21.0% |
| Admin fee / account holder | $2,050 | $8,885-76.9% | $12,736-83.9% | $6,940-70.5% |