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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 | $106,644 | $88,707+20.2% | $74,184+43.8% | $273,972-61.1% |
| Participation rate | 61.5% | 79.4%-17.9pp | 76.6%-15.1pp | 83.0%-21.5pp |
| Annual return | 8.54% | 11.94%-3.4pp | 17.74%-9.2pp | 41.46%-32.9pp |
| Employer contribution / active EE | $1,145 | $3,159-63.7% | $2,370-51.7% | $4,869-76.5% |
| Participant deferral / active EE | $6,406 | $4,212+52.1% | $3,550+80.5% | $5,287+21.2% |
| Admin fee / account holder | $6,510 | $8,717-25.3% | $5,586+16.5% | $10,133-35.8% |