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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 | $93,789 | $69,590+34.8% | $136,867-31.5% | $94,015-0.2% |
| Participation rate | 38.7% | 66.3%-27.6pp | 74.5%-35.8pp | 70.8%-32.1pp |
| Annual return | 26.37% | 19.62%+6.8pp | 42.97%-16.6pp | 17.84%+8.5pp |
| Employer contribution / active EE | $1,344 | $2,396-43.9% | $3,547-62.1% | $2,790-51.8% |
| Participant deferral / active EE | $3,121 | $3,437-9.2% | $4,924-36.6% | $4,249-26.6% |
| Admin fee / account holder | $811 | $8,912-90.9% | $10,340-92.2% | $8,951-90.9% |