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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 | $92,456 | $93,598-1.2% | $135,974-32.0% | $75,173+23.0% |
| Participation rate | 43.3% | 75.2%-31.9pp | 81.9%-38.6pp | 67.2%-23.9pp |
| Annual return | 20.09% | 30.89%-10.8pp | 68.30%-48.2pp | 160.72%-140.6pp |
| Employer contribution / active EE | $993 | $3,538-71.9% | $4,859-79.6% | $2,671-62.8% |
| Participant deferral / active EE | $2,826 | $6,405-55.9% | $7,760-63.6% | $4,126-31.5% |
| Admin fee / account holder | $4,079 | $6,978-41.5% | $10,767-62.1% | $5,651-27.8% |