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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 | $106,267-8.6% | $96,520+0.7% | $139,456-30.3% |
| Participation rate | 60.0% | 77.8%-17.8pp | 74.3%-14.3pp | 80.3%-20.3pp |
| Annual return | 15.80% | 38.45%-22.6pp | 35.72%-19.9pp | 373.45%-357.6pp |
| Employer contribution / active EE | $4,313 | $4,105+5.1% | $3,739+15.4% | $4,753-9.3% |
| Participant deferral / active EE | $5,786 | $5,454+6.1% | $4,879+18.6% | $6,711-13.8% |
| Admin fee / account holder | $5,322 | $7,882-32.5% | $6,733-21.0% | $11,407-53.3% |