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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 | $98,562 | $101,752-3.1% | $164,928-40.2% | $80,911+21.8% |
| Participation rate | 68.4% | 71.8%-3.4pp | 78.6%-10.2pp | 67.6%+0.8pp |
| Annual return | 15.50% | 16.73%-1.2pp | 70.08%-54.6pp | 35.63%-20.1pp |
| Employer contribution / active EE | $2,002 | $2,953-32.2% | $4,343-53.9% | $2,756-27.3% |
| Participant deferral / active EE | $2,434 | $4,477-45.6% | $6,034-59.7% | $4,297-43.4% |
| Admin fee / account holder | $12,158 | $8,218+48.0% | $12,684-4.1% | $6,935+75.3% |