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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 | $88,188 | $77,920+13.2% | $149,723-41.1% | $75,177+17.3% |
| Participation rate | 40.4% | 65.6%-25.2pp | 78.8%-38.4pp | 67.2%-26.9pp |
| Annual return | 28.73% | 31.72%-3.0pp | 134.50%-105.8pp | 160.75%-132.0pp |
| Employer contribution / active EE | $2,479 | $3,138-21.0% | $4,821-48.6% | $2,671-7.2% |
| Participant deferral / active EE | $5,472 | $3,411+60.4% | $5,682-3.7% | $4,126+32.6% |
| Admin fee / account holder | $653 | $5,951-89.0% | $13,215-95.1% | $5,651-88.4% |