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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 | $96,527 | $76,407+26.3% | $150,298-35.8% | $82,448+17.1% |
| Participation rate | 46.2% | 66.4%-20.2pp | 77.8%-31.6pp | 68.1%-21.9pp |
| Annual return | 16.97% | 39.99%-23.0pp | 62.79%-45.8pp | 41.64%-24.7pp |
| Employer contribution / active EE | $639 | $2,614-75.5% | $4,154-84.6% | $2,551-74.9% |
| Participant deferral / active EE | $3,803 | $3,214+18.3% | $5,453-30.3% | $4,139-8.1% |
| Admin fee / account holder | $958 | $6,352-84.9% | $14,116-93.2% | $7,234-86.8% |