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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 | $102,301 | $89,259+14.6% | $107,187-4.6% | $82,637+23.8% |
| Participation rate | 26.2% | 67.9%-41.7pp | 75.0%-48.8pp | 68.1%-41.9pp |
| Annual return | 21.80% | 21.02%+0.8pp | 204.55%-182.7pp | 53.51%-31.7pp |
| Employer contribution / active EE | $883 | $3,080-71.3% | $3,782-76.6% | $2,552-65.4% |
| Participant deferral / active EE | $1,836 | $4,037-54.5% | $5,096-64.0% | $4,126-55.5% |
| Admin fee / account holder | $1,795 | $7,381-75.7% | $9,162-80.4% | $7,339-75.5% |