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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 | $100,509 | $86,298+16.5% | $111,308-9.7% | $85,847+17.1% |
| Participation rate | 62.5% | 73.3%-10.8pp | 77.3%-14.8pp | 69.3%-6.8pp |
| Annual return | 15.34% | 19.99%-4.6pp | 54.67%-39.3pp | 318.61%-303.3pp |
| Employer contribution / active EE | $604 | $2,044-70.5% | $2,732-77.9% | $2,565-76.5% |
| Participant deferral / active EE | $3,760 | $3,641+3.3% | $4,487-16.2% | $3,952-4.9% |
| Admin fee / account holder | $10,212 | $8,189+24.7% | $7,965+28.2% | $6,261+63.1% |