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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 | $100,467 | $86,922+15.6% | $102,438-1.9% | $80,874+24.2% |
| Participation rate | 55.8% | 72.4%-16.6pp | 76.5%-20.7pp | 67.6%-11.9pp |
| Annual return | 11.77% | 18.90%-7.1pp | 29.37%-17.6pp | 35.62%-23.8pp |
| Employer contribution / active EE | $1,795 | $2,369-24.3% | $3,024-40.6% | $2,756-34.9% |
| Participant deferral / active EE | $4,570 | $4,119+11.0% | $5,054-9.6% | $4,297+6.4% |
| Admin fee / account holder | $40,681 | $8,050+405.4% | $9,448+330.6% | $6,935+486.6% |