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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 | $98,214 | $83,898+17.1% | $133,346-26.3% | $94,015+4.5% |
| Participation rate | 48.0% | 63.4%-15.4pp | 72.8%-24.9pp | 70.8%-22.9pp |
| Annual return | 13.38% | 16.00%-2.6pp | 36.85%-23.5pp | 17.84%-4.5pp |
| Employer contribution / active EE | $370 | $1,821-79.7% | $2,853-87.0% | $2,790-86.7% |
| Participant deferral / active EE | $2,783 | $3,245-14.2% | $4,332-35.8% | $4,249-34.5% |
| Admin fee / account holder | $4,662 | $7,809-40.3% | $14,264-67.3% | $8,951-47.9% |