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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 | $97,825 | $65,034+50.4% | $90,970+7.5% | $79,856+22.5% |
| Participation rate | 39.3% | 61.6%-22.3pp | 69.0%-29.7pp | 69.6%-30.4pp |
| Annual return | 15.31% | 30.45%-15.1pp | 134.60%-119.3pp | 31.71%-16.4pp |
| Employer contribution / active EE | $1,048 | $1,247-16.0% | $2,122-50.6% | $2,471-57.6% |
| Participant deferral / active EE | $2,726 | $2,512+8.5% | $3,373-19.2% | $3,741-27.1% |
| Admin fee / account holder | $1,229 | $4,536-72.9% | $5,961-79.4% | $5,306-76.8% |