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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 | $95,899 | $93,345+2.7% | $119,126-19.5% | $87,485+9.6% |
| Participation rate | 60.0% | 68.7%-8.7pp | 75.8%-15.8pp | 68.9%-8.9pp |
| Annual return | 16.94% | 19.08%-2.1pp | 282.11%-265.2pp | 26.06%-9.1pp |
| Employer contribution / active EE | $2,595 | $3,172-18.2% | $4,034-35.7% | $2,596-0.1% |
| Participant deferral / active EE | $3,540 | $4,099-13.6% | $5,318-33.4% | $4,274-17.2% |
| Admin fee / account holder | $9,512 | $8,039+18.3% | $10,693-11.0% | $7,775+22.3% |