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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 | $103,000 | $102,638+0.4% | $81,991+25.6% | $158,966-35.2% |
| Participation rate | 47.4% | 75.5%-28.2pp | 69.3%-21.9pp | 82.0%-34.6pp |
| Annual return | 14.68% | 61.05%-46.4pp | 41.31%-26.6pp | 302.95%-288.3pp |
| Employer contribution / active EE | $1,867 | $3,241-42.4% | $2,498-25.3% | $4,762-60.8% |
| Participant deferral / active EE | $6,712 | $4,649+44.4% | $3,722+80.3% | $5,983+12.2% |
| Admin fee / account holder | $2,261 | $8,237-72.6% | $5,665-60.1% | $11,250-79.9% |