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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 | $88,038 | $91,179-3.4% | $178,499-50.7% | $79,852+10.3% |
| Participation rate | 63.6% | 69.2%-5.6pp | 81.9%-18.3pp | 69.6%-6.0pp |
| Annual return | 13.99% | 24.19%-10.2pp | 151.10%-137.1pp | 31.72%-17.7pp |
| Employer contribution / active EE | $1,479 | $3,256-54.6% | $5,011-70.5% | $2,471-40.2% |
| Participant deferral / active EE | $3,850 | $3,236+19.0% | $5,202-26.0% | $3,740+2.9% |
| Admin fee / account holder | $1,869 | $6,749-72.3% | $13,986-86.6% | $5,306-64.8% |