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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 | $90,632 | $79,449+14.1% | $189,597-52.2% | $85,851+5.6% |
| Participation rate | 44.2% | 66.0%-21.8pp | 78.4%-34.2pp | 69.3%-25.1pp |
| Annual return | 15.85% | 18.45%-2.6pp | 64.20%-48.3pp | 318.63%-302.8pp |
| Employer contribution / active EE | $1,543 | $2,081-25.8% | $4,412-65.0% | $2,565-39.8% |
| Participant deferral / active EE | $2,190 | $4,051-45.9% | $6,174-64.5% | $3,952-44.6% |
| Admin fee / account holder | $3,168 | $5,377-41.1% | $9,807-67.7% | $6,261-49.4% |