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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 | $97,180 | $106,247-8.5% | $96,515+0.7% | $139,466-30.3% |
| Participation rate | 60.0% | 77.8%-17.8pp | 74.3%-14.3pp | 80.3%-20.3pp |
| Annual return | 15.80% | 38.47%-22.7pp | 35.73%-19.9pp | 373.66%-357.9pp |
| Employer contribution / active EE | $4,313 | $4,106+5.0% | $3,740+15.3% | $4,754-9.3% |
| Participant deferral / active EE | $5,786 | $5,456+6.0% | $4,880+18.6% | $6,712-13.8% |
| Admin fee / account holder | $5,322 | $7,885-32.5% | $6,735-21.0% | $11,409-53.4% |