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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 | $93,836 | $87,180+7.6% | $173,703-46.0% | $94,015-0.2% |
| Participation rate | 43.2% | 65.6%-22.4pp | 75.9%-32.7pp | 70.8%-27.6pp |
| Annual return | 15.15% | 14.17%+1.0pp | 17.46%-2.3pp | 17.84%-2.7pp |
| Employer contribution / active EE | $1,142 | $2,494-54.2% | $4,288-73.4% | $2,790-59.1% |
| Participant deferral / active EE | $2,819 | $3,343-15.7% | $4,854-41.9% | $4,249-33.7% |
| Admin fee / account holder | $838 | $7,506-88.8% | $15,562-94.6% | $8,951-90.6% |