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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 | $119,031 | $110,278+7.9% | $95,740+24.3% | $139,466-14.7% |
| Participation rate | 43.8% | 75.7%-32.0pp | 72.3%-28.5pp | 80.3%-36.6pp |
| Annual return | 15.88% | 27.19%-11.3pp | 28.41%-12.5pp | 373.66%-357.8pp |
| Employer contribution / active EE | $1,017 | $3,260-68.8% | $2,836-64.1% | $4,754-78.6% |
| Participant deferral / active EE | $3,866 | $4,674-17.3% | $4,244-8.9% | $6,712-42.4% |
| Admin fee / account holder | $994 | $6,613-85.0% | $5,676-82.5% | $11,409-91.3% |