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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 | $96,731-4.9% | $123,973-25.8% | $86,983+5.8% |
| Participation rate | 46.8% | 70.0%-23.2pp | 76.7%-29.8pp | 69.5%-22.7pp |
| Annual return | 14.32% | 17.33%-3.0pp | 388.13%-373.8pp | 25.83%-11.5pp |
| Employer contribution / active EE | $1,897 | $3,297-42.5% | $4,126-54.0% | $2,584-26.6% |
| Participant deferral / active EE | $4,497 | $4,152+8.3% | $5,247-14.3% | $4,194+7.2% |
| Admin fee / account holder | $2,289 | $8,722-73.8% | $11,799-80.6% | $7,856-70.9% |