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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 | $90,314 | $143,969-37.3% | $199,883-54.8% | $82,637+9.3% |
| Participation rate | 51.4% | 84.1%-32.7pp | 86.8%-35.3pp | 68.1%-16.6pp |
| Annual return | 21.57% | 25.67%-4.1pp | 43.81%-22.2pp | 53.51%-31.9pp |
| Employer contribution / active EE | $3,320 | $4,632-28.3% | $6,261-47.0% | $2,552+30.1% |
| Participant deferral / active EE | $8,835 | $6,937+27.4% | $9,138-3.3% | $4,126+114.1% |
| Admin fee / account holder | $1,000 | $14,597-93.1% | $17,268-94.2% | $7,339-86.4% |