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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 | $103,735 | $95,406+8.7% | $185,849-44.2% | $85,847+20.8% |
| Participation rate | 64.8% | 68.8%-4.0pp | 81.7%-16.9pp | 69.3%-4.5pp |
| Annual return | 18.36% | 23.59%-5.2pp | 122.10%-103.7pp | 318.61%-300.3pp |
| Employer contribution / active EE | $1,075 | $3,314-67.5% | $5,169-79.2% | $2,565-58.1% |
| Participant deferral / active EE | $3,394 | $3,424-0.9% | $5,569-39.1% | $3,952-14.1% |
| Admin fee / account holder | $641 | $7,214-91.1% | $16,244-96.1% | $6,261-89.8% |