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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 | $99,802 | $98,760+1.1% | $149,715-33.3% | $79,858+25.0% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.5%-22.5pp | 69.6%-9.6pp |
| Annual return | 18.17% | 27.43%-9.3pp | 276.66%-258.5pp | 31.72%-13.5pp |
| Employer contribution / active EE | $4,140 | $3,217+28.7% | $4,645-10.9% | $2,471+67.6% |
| Participant deferral / active EE | $7,087 | $5,681+24.8% | $6,842+3.6% | $3,740+89.5% |
| Admin fee / account holder | $8,681 | $6,053+43.4% | $9,310-6.7% | $5,306+63.6% |