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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 | $92,013 | $89,259+3.1% | $107,187-14.2% | $82,637+11.3% |
| Participation rate | 46.8% | 67.9%-21.1pp | 75.0%-28.2pp | 68.1%-21.2pp |
| Annual return | 14.32% | 21.02%-6.7pp | 204.55%-190.2pp | 53.51%-39.2pp |
| Employer contribution / active EE | $1,897 | $3,080-38.4% | $3,782-49.8% | $2,552-25.7% |
| Participant deferral / active EE | $4,497 | $4,037+11.4% | $5,096-11.7% | $4,126+9.0% |
| Admin fee / account holder | $2,289 | $7,381-69.0% | $9,162-75.0% | $7,339-68.8% |