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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 | $88,047 | $98,766-10.9% | $149,730-41.2% | $79,852+10.3% |
| Participation rate | 52.3% | 75.8%-23.5pp | 82.5%-30.2pp | 69.6%-17.4pp |
| Annual return | 17.05% | 27.43%-10.4pp | 276.70%-259.7pp | 31.72%-14.7pp |
| Employer contribution / active EE | $1,761 | $3,217-45.3% | $4,645-62.1% | $2,471-28.7% |
| Participant deferral / active EE | $4,367 | $5,681-23.1% | $6,843-36.2% | $3,740+16.8% |
| Admin fee / account holder | $2,515 | $6,052-58.4% | $9,310-73.0% | $5,306-52.6% |