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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 | $96,970 | $106,936-9.3% | $84,029+15.4% | $152,914-36.6% |
| Participation rate | 43.8% | 75.2%-31.5pp | 69.0%-25.3pp | 82.5%-38.7pp |
| Annual return | 18.00% | 105.03%-87.0pp | 71.32%-53.3pp | 345.48%-327.5pp |
| Employer contribution / active EE | $788 | $2,735-71.2% | $1,984-60.3% | $4,764-83.5% |
| Participant deferral / active EE | $1,544 | $4,013-61.5% | $3,239-52.3% | $5,852-73.6% |
| Admin fee / account holder | $13,407 | $8,289+61.7% | $6,102+119.7% | $11,601+15.6% |