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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 | $99,335 | $81,334+22.1% | $113,397-12.4% | $64,097+55.0% |
| Participation rate | 38.6% | 65.6%-27.0pp | 76.5%-37.9pp | 55.2%-16.6pp |
| Annual return | 14.64% | 32.50%-17.9pp | 23.20%-8.6pp | 34.64%-20.0pp |
| Employer contribution / active EE | $1,769 | $2,077-14.8% | $2,977-40.6% | $1,891-6.4% |
| Participant deferral / active EE | $2,659 | $3,795-29.9% | $5,076-47.6% | $3,080-13.7% |
| Admin fee / account holder | $12,977 | $4,208+208.4% | $11,957+8.5% | $3,454+275.7% |