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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 | $98,855 | $100,147-1.3% | $81,286+21.6% | $145,877-32.2% |
| Participation rate | 52.6% | 74.2%-21.6pp | 69.5%-16.9pp | 80.3%-27.7pp |
| Annual return | 9.75% | 34.44%-24.7pp | 24.80%-15.0pp | 551.28%-541.5pp |
| Employer contribution / active EE | $486 | $2,977-83.7% | $2,463-80.3% | $4,663-89.6% |
| Participant deferral / active EE | $2,076 | $4,607-54.9% | $3,883-46.5% | $6,691-69.0% |
| Admin fee / account holder | $8,120 | $8,201-1.0% | $5,764+40.9% | $13,402-39.4% |