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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 | $93,423 | $60,442+54.6% | $96,754-3.4% | $87,485+6.8% |
| Participation rate | 44.0% | 58.7%-14.8pp | 70.3%-26.3pp | 68.9%-25.0pp |
| Annual return | 17.33% | 21.97%-4.6pp | 82.04%-64.7pp | 26.06%-8.7pp |
| Employer contribution / active EE | $1,224 | $1,691-27.6% | $2,679-54.3% | $2,596-52.9% |
| Participant deferral / active EE | $2,356 | $3,280-28.2% | $4,758-50.5% | $4,274-44.9% |
| Admin fee / account holder | $4,466 | $5,069-11.9% | $8,905-49.8% | $7,775-42.6% |