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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 | $95,527 | $107,421-11.1% | $182,262-47.6% | $94,015+1.6% |
| Participation rate | 50.9% | 77.8%-26.8pp | 84.2%-33.3pp | 70.8%-19.9pp |
| Annual return | 14.22% | 21.32%-7.1pp | 140.60%-126.4pp | 17.84%-3.6pp |
| Employer contribution / active EE | $1,999 | $3,448-42.0% | $5,046-60.4% | $2,790-28.3% |
| Participant deferral / active EE | $3,803 | $6,558-42.0% | $8,276-54.0% | $4,249-10.5% |
| Admin fee / account holder | $4,763 | $8,692-45.2% | $16,712-71.5% | $8,951-46.8% |