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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 | $84,889 | $102,422-17.1% | $147,117-42.3% | $80,959+4.9% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 14.55% | 135.16%-120.6pp | 420.54%-406.0pp | 35.67%-21.1pp |
| Employer contribution / active EE | $4,148 | $3,717+11.6% | $4,932-15.9% | $2,757+50.5% |
| Participant deferral / active EE | $8,922 | $6,652+34.1% | $8,065+10.6% | $4,300+107.5% |
| Admin fee / account holder | $2,473 | $7,953-68.9% | $12,993-81.0% | $6,925-64.3% |