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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 | $99,522 | $94,436+5.4% | $115,599-13.9% | $82,637+20.4% |
| Participation rate | 38.5% | 70.4%-32.0pp | 74.3%-35.8pp | 68.1%-29.6pp |
| Annual return | 13.36% | 18.37%-5.0pp | 111.10%-97.7pp | 53.51%-40.1pp |
| Employer contribution / active EE | $923 | $2,324-60.3% | $2,955-68.8% | $2,552-63.8% |
| Participant deferral / active EE | $1,847 | $3,955-53.3% | $4,889-62.2% | $4,126-55.2% |
| Admin fee / account holder | $19,986 | $10,328+93.5% | $12,841+55.6% | $7,339+172.3% |