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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 | $84,366 | $88,360-4.5% | $145,433-42.0% | $67,986+24.1% |
| Participation rate | 45.7% | 65.5%-19.8pp | 82.1%-36.4pp | 57.2%-11.5pp |
| Annual return | 32.39% | 63.15%-30.8pp | 66.58%-34.2pp | 31.67%+0.7pp |
| Employer contribution / active EE | $1,757 | $3,054-42.5% | $4,554-61.4% | $2,019-13.0% |
| Participant deferral / active EE | $4,790 | $5,932-19.2% | $7,897-39.3% | $3,358+42.7% |
| Admin fee / account holder | $6,567 | $3,313+98.2% | $13,129-50.0% | $3,203+105.0% |