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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 | $92,397 | $91,760+0.7% | $156,181-40.8% | $67,986+35.9% |
| Participation rate | 54.4% | 65.0%-10.6pp | 78.8%-24.4pp | 57.2%-2.8pp |
| Annual return | 17.17% | 18.14%-1.0pp | 64.87%-47.7pp | 31.67%-14.5pp |
| Employer contribution / active EE | $858 | $2,419-64.5% | $4,294-80.0% | $2,019-57.5% |
| Participant deferral / active EE | $2,985 | $3,960-24.6% | $6,132-51.3% | $3,358-11.1% |
| Admin fee / account holder | $5,077 | $3,949+28.6% | $14,586-65.2% | $3,203+58.5% |