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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 | $84,591 | $85,171-0.7% | $172,752-51.0% | $72,975+15.9% |
| Participation rate | 31.9% | 70.1%-38.1pp | 82.6%-50.7pp | 69.5%-37.6pp |
| Annual return | 25.25% | 27.32%-2.1pp | 802.97%-777.7pp | 81.01%-55.8pp |
| Employer contribution / active EE | $2,864 | $3,324-13.8% | $5,144-44.3% | $2,440+17.4% |
| Participant deferral / active EE | $3,740 | $3,260+14.7% | $5,198-28.0% | $3,608+3.7% |
| Admin fee / account holder | $5,063 | $5,880-13.9% | $13,955-63.7% | $5,124-1.2% |