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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 | $91,320 | $44,746+104.1% | $88,179+3.6% | $64,097+42.5% |
| Participation rate | 14.9% | 39.8%-24.9pp | 69.1%-54.2pp | 55.2%-40.3pp |
| Annual return | 14.10% | 24.70%-10.6pp | 64.97%-50.9pp | 34.64%-20.5pp |
| Employer contribution / active EE | $382 | $1,078-64.6% | $2,549-85.0% | $1,891-79.8% |
| Participant deferral / active EE | $897 | $2,072-56.7% | $4,614-80.6% | $3,080-70.9% |
| Admin fee / account holder | $2,171 | $3,437-36.8% | $7,673-71.7% | $3,454-37.1% |