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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 | $96,735 | $73,787+31.1% | $98,716-2.0% | $82,448+17.3% |
| Participation rate | 36.6% | 61.4%-24.8pp | 69.3%-32.7pp | 68.1%-31.5pp |
| Annual return | 15.69% | 18.57%-2.9pp | 31.81%-16.1pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,539 | $1,511+1.8% | $2,279-32.5% | $2,551-39.7% |
| Participant deferral / active EE | $4,088 | $3,081+32.7% | $4,048+1.0% | $4,139-1.2% |
| Admin fee / account holder | $27,920 | $6,500+329.5% | $8,703+220.8% | $7,234+285.9% |