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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 | $96,204 | $109,782-12.4% | $260,467-63.1% | $94,015+2.3% |
| Participation rate | 39.3% | 67.2%-27.9pp | 80.5%-41.2pp | 70.8%-31.5pp |
| Annual return | 14.06% | 18.60%-4.5pp | 100.60%-86.5pp | 17.84%-3.8pp |
| Employer contribution / active EE | $812 | $2,147-62.2% | $4,239-80.8% | $2,790-70.9% |
| Participant deferral / active EE | $3,468 | $4,044-14.2% | $6,319-45.1% | $4,249-18.4% |
| Admin fee / account holder | $2,592 | $11,958-78.3% | $15,461-83.2% | $8,951-71.0% |