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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 | $106,122 | $55,902+89.8% | $76,030+39.6% | $80,959+31.1% |
| Participation rate | 56.8% | 62.1%-5.2pp | 69.1%-12.2pp | 67.7%-10.8pp |
| Annual return | 16.05% | 20.59%-4.5pp | 361.54%-345.5pp | 35.67%-19.6pp |
| Employer contribution / active EE | $1,407 | $1,867-24.6% | $2,688-47.6% | $2,757-49.0% |
| Participant deferral / active EE | $2,943 | $3,051-3.5% | $4,257-30.9% | $4,300-31.6% |
| Admin fee / account holder | $2,028 | $5,239-61.3% | $6,421-68.4% | $6,925-70.7% |