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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 | $95,706 | $112,915-15.2% | $90,965+5.2% | $158,950-39.8% |
| Participation rate | 43.8% | 74.7%-31.0pp | 69.0%-25.3pp | 82.0%-38.2pp |
| Annual return | 15.07% | 215.75%-200.7pp | 134.57%-119.5pp | 302.91%-287.8pp |
| Employer contribution / active EE | $1,334 | $2,894-53.9% | $2,122-37.2% | $4,762-72.0% |
| Participant deferral / active EE | $3,644 | $4,128-11.7% | $3,373+8.0% | $5,983-39.1% |
| Admin fee / account holder | $442 | $8,044-94.5% | $5,960-92.6% | $11,248-96.1% |