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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 | $78,987 | $77,908+1.4% | $149,696-47.2% | $75,173+5.1% |
| Participation rate | 56.9% | 65.6%-8.7pp | 78.8%-21.9pp | 67.2%-10.3pp |
| Annual return | 14.74% | 31.73%-17.0pp | 134.46%-119.7pp | 160.72%-146.0pp |
| Employer contribution / active EE | $3,396 | $3,138+8.2% | $4,821-29.6% | $2,671+27.1% |
| Participant deferral / active EE | $2,157 | $3,411-36.8% | $5,682-62.0% | $4,126-47.7% |
| Admin fee / account holder | $1,011 | $5,950-83.0% | $13,212-92.3% | $5,651-82.1% |