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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 | $97,654 | $88,203+10.7% | $165,100-40.9% | $74,478+31.1% |
| Participation rate | 64.6% | 73.1%-8.5pp | 78.6%-14.0pp | 67.2%-2.6pp |
| Annual return | 12.14% | 17.13%-5.0pp | 70.21%-58.1pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $2,273 | $2,601-12.6% | $4,348-47.7% | $2,626-13.5% |
| Participant deferral / active EE | $3,948 | $4,505-12.4% | $6,035-34.6% | $4,350-9.2% |
| Admin fee / account holder | $1,687 | $2,235-24.5% | $12,696-86.7% | $1,946-13.3% |