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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 | $92,251 | $93,346-1.2% | $71,796+28.5% | $273,972-66.3% |
| Participation rate | 43.8% | 76.5%-32.8pp | 69.1%-25.4pp | 83.0%-39.3pp |
| Annual return | 8.22% | 130.39%-122.2pp | 78.04%-69.8pp | 41.46%-33.2pp |
| Employer contribution / active EE | $1,374 | $2,733-49.7% | $1,924-28.6% | $4,869-71.8% |
| Participant deferral / active EE | $4,094 | $3,475+17.8% | $2,794+46.5% | $5,287-22.6% |
| Admin fee / account holder | $1,057 | $6,571-83.9% | $4,815-78.1% | $10,133-89.6% |