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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 | $105,484 | $110,410-4.5% | $102,437+3.0% | $145,897-27.7% |
| Participation rate | 59.1% | 77.9%-18.8pp | 74.5%-15.4pp | 80.3%-21.2pp |
| Annual return | 11.68% | 24.85%-13.2pp | 24.95%-13.3pp | 552.29%-540.6pp |
| Employer contribution / active EE | $1,652 | $4,217-60.8% | $3,871-57.3% | $4,663-64.6% |
| Participant deferral / active EE | $4,185 | $5,622-25.6% | $5,060-17.3% | $6,689-37.4% |
| Admin fee / account holder | $5,375 | $9,745-44.8% | $8,388-35.9% | $13,390-59.9% |