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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 | $105,209 | $108,882-3.4% | $96,754+8.7% | $154,746-32.0% |
| Participation rate | 45.5% | 75.1%-29.6pp | 70.3%-24.8pp | 80.7%-35.2pp |
| Annual return | 17.83% | 98.39%-80.6pp | 82.04%-64.2pp | 172.34%-154.5pp |
| Employer contribution / active EE | $1,612 | $3,018-46.6% | $2,679-39.8% | $4,379-63.2% |
| Participant deferral / active EE | $7,961 | $5,323+49.6% | $4,758+67.3% | $6,730+18.3% |
| Admin fee / account holder | $484 | $10,200-95.3% | $8,905-94.6% | $14,365-96.6% |