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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 | $96,586 | $65,395+47.7% | $182,540-47.1% | $72,975+32.4% |
| Participation rate | 45.2% | 65.4%-20.2pp | 78.0%-32.7pp | 69.5%-24.3pp |
| Annual return | 22.86% | 27.68%-4.8pp | 148.58%-125.7pp | 81.01%-58.2pp |
| Employer contribution / active EE | $1,616 | $1,911-15.4% | $4,076-60.3% | $2,440-33.8% |
| Participant deferral / active EE | $4,644 | $3,563+30.3% | $5,525-16.0% | $3,608+28.7% |
| Admin fee / account holder | $6,392 | $4,245+50.6% | $8,593-25.6% | $5,124+24.7% |