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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 | $99,628 | $106,749-6.7% | $145,433-31.5% | $82,448+20.8% |
| Participation rate | 32.4% | 75.6%-43.2pp | 82.1%-49.7pp | 68.1%-35.6pp |
| Annual return | 19.79% | 27.59%-7.8pp | 66.58%-46.8pp | 41.64%-21.8pp |
| Employer contribution / active EE | $1,131 | $3,444-67.2% | $4,554-75.2% | $2,551-55.7% |
| Participant deferral / active EE | $2,627 | $6,519-59.7% | $7,897-66.7% | $4,139-36.5% |
| Admin fee / account holder | $2,602 | $8,390-69.0% | $13,129-80.2% | $7,234-64.0% |