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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 | $99,351 | $48,364+105.4% | $71,796+38.4% | $62,881+58.0% |
| Participation rate | 61.3% | 60.6%+0.7pp | 69.1%-7.8pp | 69.3%-8.0pp |
| Annual return | 8.03% | 13.16%-5.1pp | 78.04%-70.0pp | 20.14%-12.1pp |
| Employer contribution / active EE | $552 | $1,042-47.1% | $1,924-71.3% | $2,281-75.8% |
| Participant deferral / active EE | $3,434 | $2,091+64.2% | $2,794+22.9% | $3,203+7.2% |
| Admin fee / account holder | $4,570 | $3,771+21.2% | $4,815-5.1% | $4,296+6.4% |