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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 | $92,832 | $106,524-12.9% | $152,301-39.0% | $87,485+6.1% |
| Participation rate | 37.2% | 75.8%-38.5pp | 82.4%-45.2pp | 68.9%-31.7pp |
| Annual return | 15.80% | 26.89%-11.1pp | 80.50%-64.7pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,212 | $3,371-64.1% | $4,624-73.8% | $2,596-53.3% |
| Participant deferral / active EE | $5,707 | $6,525-12.5% | $8,004-28.7% | $4,274+33.5% |
| Admin fee / account holder | $3,878 | $8,287-53.2% | $14,398-73.1% | $7,775-50.1% |