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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 | $93,078 | $117,904-21.1% | $102,457-9.2% | $145,978-36.2% |
| Participation rate | 63.2% | 78.6%-15.4pp | 76.5%-13.3pp | 80.3%-17.1pp |
| Annual return | 12.52% | 31.80%-19.3pp | 29.41%-16.9pp | 550.52%-538.0pp |
| Employer contribution / active EE | $2,260 | $3,613-37.5% | $3,022-25.2% | $4,662-51.5% |
| Participant deferral / active EE | $5,546 | $5,733-3.3% | $5,054+9.7% | $6,690-17.1% |
| Admin fee / account holder | $6,840 | $13,329-48.7% | $9,451-27.6% | $13,400-49.0% |