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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 | $103,006 | $95,383+8.0% | $185,837-44.6% | $85,856+20.0% |
| Participation rate | 56.0% | 68.8%-12.8pp | 81.7%-25.8pp | 69.3%-13.4pp |
| Annual return | 13.76% | 23.59%-9.8pp | 122.08%-108.3pp | 318.58%-304.8pp |
| Employer contribution / active EE | $1,282 | $3,313-61.3% | $5,168-75.2% | $2,565-50.0% |
| Participant deferral / active EE | $4,255 | $3,423+24.3% | $5,568-23.6% | $3,952+7.7% |
| Admin fee / account holder | $1,983 | $7,213-72.5% | $16,241-87.8% | $6,261-68.3% |