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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 | $95,268 | $106,864-10.9% | $147,318-35.3% | $82,637+15.3% |
| Participation rate | 48.5% | 75.5%-27.0pp | 82.1%-33.6pp | 68.1%-19.6pp |
| Annual return | 14.32% | 27.49%-13.2pp | 70.43%-56.1pp | 53.51%-39.2pp |
| Employer contribution / active EE | $2,281 | $3,417-33.2% | $4,593-50.3% | $2,552-10.6% |
| Participant deferral / active EE | $6,297 | $6,496-3.1% | $7,906-20.4% | $4,126+52.6% |
| Admin fee / account holder | $12,582 | $8,415+49.5% | $13,708-8.2% | $7,339+71.4% |