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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 | $106,524-10.3% | $152,301-37.3% | $87,485+9.2% |
| Participation rate | 50.9% | 75.8%-24.8pp | 82.4%-31.5pp | 68.9%-18.0pp |
| Annual return | 14.22% | 26.89%-12.7pp | 80.50%-66.3pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,999 | $3,371-40.7% | $4,624-56.8% | $2,596-23.0% |
| Participant deferral / active EE | $3,803 | $6,525-41.7% | $8,004-52.5% | $4,274-11.0% |
| Admin fee / account holder | $4,763 | $8,287-42.5% | $14,398-66.9% | $7,775-38.7% |