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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 | $89,639 | $93,346-4.0% | $71,796+24.9% | $273,972-67.3% |
| Participation rate | 64.7% | 76.5%-11.8pp | 69.1%-4.4pp | 83.0%-18.3pp |
| Annual return | 8.97% | 130.39%-121.4pp | 78.04%-69.1pp | 41.46%-32.5pp |
| Employer contribution / active EE | $4,032 | $2,733+47.5% | $1,924+109.5% | $4,869-17.2% |
| Participant deferral / active EE | $4,291 | $3,475+23.5% | $2,794+53.5% | $5,287-18.8% |
| Admin fee / account holder | $716 | $6,571-89.1% | $4,815-85.1% | $10,133-92.9% |