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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 | $95,527 | $106,749-10.5% | $145,433-34.3% | $82,448+15.9% |
| Participation rate | 50.9% | 75.6%-24.7pp | 82.1%-31.2pp | 68.1%-17.1pp |
| Annual return | 14.22% | 27.59%-13.4pp | 66.58%-52.4pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,999 | $3,444-42.0% | $4,554-56.1% | $2,551-21.6% |
| Participant deferral / active EE | $3,803 | $6,519-41.7% | $7,897-51.8% | $4,139-8.1% |
| Admin fee / account holder | $4,763 | $8,390-43.2% | $13,129-63.7% | $7,234-34.2% |