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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 | $95,562 | $102,429-6.7% | $147,096-35.0% | $80,925+18.1% |
| Participation rate | 56.3% | 75.9%-19.6pp | 82.2%-25.9pp | 67.7%-11.4pp |
| Annual return | 11.98% | 135.02%-123.0pp | 419.75%-407.8pp | 35.65%-23.7pp |
| Employer contribution / active EE | $2,038 | $3,716-45.1% | $4,936-58.7% | $2,756-26.1% |
| Participant deferral / active EE | $3,966 | $6,649-40.4% | $8,071-50.9% | $4,299-7.7% |
| Admin fee / account holder | $3,433 | $7,957-56.9% | $13,005-73.6% | $6,940-50.5% |