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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 | $105,304 | $96,731+8.9% | $123,973-15.1% | $86,983+21.1% |
| Participation rate | 50.9% | 70.0%-19.1pp | 76.7%-25.8pp | 69.5%-18.7pp |
| Annual return | 12.94% | 17.33%-4.4pp | 388.13%-375.2pp | 25.83%-12.9pp |
| Employer contribution / active EE | $1,382 | $3,297-58.1% | $4,126-66.5% | $2,584-46.5% |
| Participant deferral / active EE | $3,514 | $4,152-15.4% | $5,247-33.0% | $4,194-16.2% |
| Admin fee / account holder | $4,857 | $8,722-44.3% | $11,799-58.8% | $7,856-38.2% |