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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 | $96,159 | $106,749-9.9% | $145,433-33.9% | $82,448+16.6% |
| Participation rate | 29.6% | 75.6%-46.0pp | 82.1%-52.5pp | 68.1%-38.4pp |
| Annual return | 18.42% | 27.59%-9.2pp | 66.58%-48.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $1,788 | $3,444-48.1% | $4,554-60.7% | $2,551-29.9% |
| Participant deferral / active EE | $4,582 | $6,519-29.7% | $7,897-42.0% | $4,139+10.7% |
| Admin fee / account holder | $5,330 | $8,390-36.5% | $13,129-59.4% | $7,234-26.3% |