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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 | $93,761 | $91,760+2.2% | $156,181-40.0% | $67,986+37.9% |
| Participation rate | 40.6% | 65.0%-24.4pp | 78.8%-38.2pp | 57.2%-16.6pp |
| Annual return | 13.63% | 18.14%-4.5pp | 64.87%-51.2pp | 31.67%-18.0pp |
| Employer contribution / active EE | $1,071 | $2,419-55.7% | $4,294-75.0% | $2,019-46.9% |
| Participant deferral / active EE | $2,192 | $3,960-44.7% | $6,132-64.3% | $3,358-34.7% |
| Admin fee / account holder | $10,861 | $3,949+175.1% | $14,586-25.5% | $3,203+239.1% |