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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 | $105,171 | $102,385+2.7% | $147,080-28.5% | $80,935+29.9% |
| Participation rate | 58.7% | 75.9%-17.2pp | 82.2%-23.5pp | 67.7%-9.0pp |
| Annual return | 16.50% | 135.09%-118.6pp | 420.17%-403.7pp | 35.66%-19.2pp |
| Employer contribution / active EE | $981 | $3,717-73.6% | $4,933-80.1% | $2,757-64.4% |
| Participant deferral / active EE | $4,553 | $6,651-31.5% | $8,066-43.6% | $4,299+5.9% |
| Admin fee / account holder | $3,564 | $7,951-55.2% | $12,989-72.6% | $6,924-48.5% |