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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 | $96,550 | $89,259+8.2% | $107,187-9.9% | $82,637+16.8% |
| Participation rate | 29.7% | 67.9%-38.2pp | 75.0%-45.3pp | 68.1%-38.3pp |
| Annual return | 16.53% | 21.02%-4.5pp | 204.55%-188.0pp | 53.51%-37.0pp |
| Employer contribution / active EE | $2,233 | $3,080-27.5% | $3,782-41.0% | $2,552-12.5% |
| Participant deferral / active EE | $3,536 | $4,037-12.4% | $5,096-30.6% | $4,126-14.3% |
| Admin fee / account holder | $1,172 | $7,381-84.1% | $9,162-87.2% | $7,339-84.0% |