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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 | $93,730 | $59,804+56.7% | $81,982+14.3% | $79,856+17.4% |
| Participation rate | 52.7% | 61.6%-8.9pp | 69.3%-16.5pp | 69.6%-16.9pp |
| Annual return | 13.28% | 17.56%-4.3pp | 41.31%-28.0pp | 31.71%-18.4pp |
| Employer contribution / active EE | $1,617 | $1,713-5.7% | $2,498-35.3% | $2,471-34.6% |
| Participant deferral / active EE | $2,739 | $2,695+1.6% | $3,722-26.4% | $3,741-26.8% |
| Admin fee / account holder | $11,182 | $4,288+160.8% | $5,665+97.4% | $5,306+110.7% |