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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 | $106,167 | $95,406+11.3% | $185,849-42.9% | $85,847+23.7% |
| Participation rate | 48.1% | 68.8%-20.6pp | 81.7%-33.6pp | 69.3%-21.2pp |
| Annual return | 14.16% | 23.59%-9.4pp | 122.10%-107.9pp | 318.61%-304.4pp |
| Employer contribution / active EE | $727 | $3,314-78.1% | $5,169-85.9% | $2,565-71.7% |
| Participant deferral / active EE | $3,526 | $3,424+3.0% | $5,569-36.7% | $3,952-10.8% |
| Admin fee / account holder | $1,302 | $7,214-82.0% | $16,244-92.0% | $6,261-79.2% |