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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 | $93,296 | $109,359-14.7% | $162,185-42.5% | $72,976+27.8% |
| Participation rate | 44.2% | 84.3%-40.0pp | 87.6%-43.3pp | 69.5%-25.3pp |
| Annual return | 72.80% | 25.46%+47.3pp | 115.61%-42.8pp | 81.02%-8.2pp |
| Employer contribution / active EE | $2,097 | $3,907-46.3% | $5,613-62.6% | $2,440-14.1% |
| Participant deferral / active EE | $6,187 | $5,481+12.9% | $7,297-15.2% | $3,608+71.5% |
| Admin fee / account holder | $1,995 | $7,972-75.0% | $10,844-81.6% | $5,124-61.1% |