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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 | $96,600 | $76,407+26.4% | $150,298-35.7% | $82,448+17.2% |
| Participation rate | 38.6% | 66.4%-27.8pp | 77.8%-39.1pp | 68.1%-29.4pp |
| Annual return | 15.45% | 39.99%-24.5pp | 62.79%-47.3pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,589 | $2,614-39.2% | $4,154-61.7% | $2,551-37.7% |
| Participant deferral / active EE | $2,611 | $3,214-18.8% | $5,453-52.1% | $4,139-36.9% |
| Admin fee / account holder | $488 | $6,352-92.3% | $14,116-96.5% | $7,234-93.3% |