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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 | $106,723 | $101,798+4.8% | $165,071-35.3% | $80,935+31.9% |
| Participation rate | 63.0% | 71.8%-8.8pp | 78.6%-15.6pp | 67.7%-4.6pp |
| Annual return | 12.26% | 16.73%-4.5pp | 70.17%-57.9pp | 35.66%-23.4pp |
| Employer contribution / active EE | $991 | $2,954-66.5% | $4,347-77.2% | $2,757-64.1% |
| Participant deferral / active EE | $3,859 | $4,476-13.8% | $6,035-36.1% | $4,299-10.2% |
| Admin fee / account holder | $14,516 | $8,221+76.6% | $12,695+14.3% | $6,924+109.6% |