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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 | $96,748 | $101,752-4.9% | $164,928-41.3% | $80,911+19.6% |
| Participation rate | 51.0% | 71.8%-20.9pp | 78.6%-27.6pp | 67.6%-16.7pp |
| Annual return | 15.34% | 16.73%-1.4pp | 70.08%-54.7pp | 35.63%-20.3pp |
| Employer contribution / active EE | $1,533 | $2,953-48.1% | $4,343-64.7% | $2,756-44.4% |
| Participant deferral / active EE | $2,829 | $4,477-36.8% | $6,034-53.1% | $4,297-34.2% |
| Admin fee / account holder | $6,369 | $8,218-22.5% | $12,684-49.8% | $6,935-8.2% |