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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 | $93,887 | $72,486+29.5% | $87,103+7.8% | $72,976+28.7% |
| Participation rate | 46.7% | 72.8%-26.1pp | 76.9%-30.2pp | 69.5%-22.8pp |
| Annual return | 17.50% | 24.46%-7.0pp | 28.19%-10.7pp | 81.02%-63.5pp |
| Employer contribution / active EE | $919 | $1,894-51.5% | $2,521-63.6% | $2,440-62.3% |
| Participant deferral / active EE | $3,767 | $3,270+15.2% | $4,049-7.0% | $3,608+4.4% |
| Admin fee / account holder | $33,237 | $5,055+557.6% | $7,491+343.7% | $5,124+548.6% |