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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 | $103,750 | $69,977+48.3% | $108,582-4.4% | $62,881+65.0% |
| Participation rate | 55.1% | 72.9%-17.8pp | 79.6%-24.4pp | 69.3%-14.2pp |
| Annual return | 7.12% | 10.73%-3.6pp | -51.70%+58.8pp | 20.14%-13.0pp |
| Employer contribution / active EE | $1,068 | $2,135-50.0% | $3,758-71.6% | $2,281-53.2% |
| Participant deferral / active EE | $3,178 | $3,165+0.4% | $4,311-26.3% | $3,203-0.8% |
| Admin fee / account holder | $4,599 | $5,076-9.4% | $7,645-39.8% | $4,296+7.1% |