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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 | $105,469 | $94,436+11.7% | $115,599-8.8% | $82,637+27.6% |
| Participation rate | 60.7% | 70.4%-9.7pp | 74.3%-13.6pp | 68.1%-7.3pp |
| Annual return | 16.76% | 18.37%-1.6pp | 111.10%-94.3pp | 53.51%-36.7pp |
| Employer contribution / active EE | $737 | $2,324-68.3% | $2,955-75.1% | $2,552-71.1% |
| Participant deferral / active EE | $2,606 | $3,955-34.1% | $4,889-46.7% | $4,126-36.9% |
| Admin fee / account holder | $25,829 | $10,328+150.1% | $12,841+101.2% | $7,339+252.0% |