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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 | $99,385 | $95,415+4.2% | $185,851-46.5% | $85,851+15.8% |
| Participation rate | 63.3% | 68.8%-5.4pp | 81.7%-18.4pp | 69.3%-6.0pp |
| Annual return | 13.19% | 23.59%-10.4pp | 122.11%-108.9pp | 318.63%-305.4pp |
| Employer contribution / active EE | $1,198 | $3,314-63.8% | $5,168-76.8% | $2,565-53.3% |
| Participant deferral / active EE | $3,830 | $3,424+11.9% | $5,569-31.2% | $3,952-3.1% |
| Admin fee / account holder | $21,861 | $7,215+203.0% | $16,245+34.6% | $6,261+249.2% |