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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 | $95,462 | $102,065-6.5% | $453,569-79.0% | $85,847+11.2% |
| Participation rate | 52.1% | 72.4%-20.3pp | 78.0%-25.9pp | 69.3%-17.2pp |
| Annual return | 14.66% | 25.44%-10.8pp | 64.43%-49.8pp | 318.61%-303.9pp |
| Employer contribution / active EE | $1,720 | $2,852-39.7% | $4,072-57.8% | $2,565-33.0% |
| Participant deferral / active EE | $4,626 | $4,789-3.4% | $6,211-25.5% | $3,952+17.1% |
| Admin fee / account holder | $4,951 | $5,717-13.4% | $11,214-55.8% | $6,261-20.9% |