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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 | $106,582 | $96,236+10.8% | $133,698-20.3% | $80,959+31.6% |
| Participation rate | 68.1% | 71.2%-3.1pp | 76.4%-8.3pp | 67.7%+0.4pp |
| Annual return | 13.57% | 28.74%-15.2pp | 580.90%-567.3pp | 35.67%-22.1pp |
| Employer contribution / active EE | $803 | $3,350-76.0% | $4,218-81.0% | $2,757-70.9% |
| Participant deferral / active EE | $2,787 | $5,709-51.2% | $7,016-60.3% | $4,300-35.2% |
| Admin fee / account holder | $18,088 | $8,250+119.2% | $6,703+169.9% | $6,925+161.2% |