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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 | $97,982 | $143,969-31.9% | $199,883-51.0% | $82,637+18.6% |
| Participation rate | 35.7% | 84.1%-48.4pp | 86.8%-51.1pp | 68.1%-32.3pp |
| Annual return | 20.38% | 25.67%-5.3pp | 43.81%-23.4pp | 53.51%-33.1pp |
| Employer contribution / active EE | $2,188 | $4,632-52.8% | $6,261-65.1% | $2,552-14.3% |
| Participant deferral / active EE | $3,747 | $6,937-46.0% | $9,138-59.0% | $4,126-9.2% |
| Admin fee / account holder | $366 | $14,597-97.5% | $17,268-97.9% | $7,339-95.0% |