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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 | $112,115 | $117,426-4.5% | $99,470+12.7% | $152,885-26.7% |
| Participation rate | 31.6% | 77.5%-46.0pp | 73.8%-42.3pp | 82.5%-50.9pp |
| Annual return | 20.96% | 31.87%-10.9pp | 30.72%-9.8pp | 345.39%-324.4pp |
| Employer contribution / active EE | $432 | $3,014-85.7% | $2,540-83.0% | $4,763-90.9% |
| Participant deferral / active EE | $781 | $4,086-80.9% | $3,619-78.4% | $5,851-86.7% |
| Admin fee / account holder | $16,894 | $7,634+121.3% | $6,252+170.2% | $11,598+45.7% |