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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 | $92,407 | $91,086+1.4% | $203,872-54.7% | $86,983+6.2% |
| Participation rate | 51.4% | 65.8%-14.4pp | 77.8%-26.4pp | 69.5%-18.1pp |
| Annual return | 13.50% | 22.30%-8.8pp | 85.11%-71.6pp | 25.83%-12.3pp |
| Employer contribution / active EE | $1,150 | $2,063-44.3% | $3,757-69.4% | $2,584-55.5% |
| Participant deferral / active EE | $4,251 | $4,019+5.8% | $6,388-33.4% | $4,194+1.4% |
| Admin fee / account holder | $29,275 | $8,987+225.7% | $11,730+149.6% | $7,856+272.6% |