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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 | $107,831 | $102,429+5.3% | $147,096-26.7% | $80,925+33.2% |
| Participation rate | 50.8% | 75.9%-25.0pp | 82.2%-31.3pp | 67.7%-16.8pp |
| Annual return | 16.28% | 135.02%-118.7pp | 419.75%-403.5pp | 35.65%-19.4pp |
| Employer contribution / active EE | $2,418 | $3,716-34.9% | $4,936-51.0% | $2,756-12.3% |
| Participant deferral / active EE | $9,923 | $6,649+49.3% | $8,071+22.9% | $4,299+130.8% |
| Admin fee / account holder | $11,194 | $7,957+40.7% | $13,005-13.9% | $6,940+61.3% |