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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 | $113,324 | $106,923+6.0% | $84,023+34.9% | $152,909-25.9% |
| Participation rate | 16.7% | 75.3%-58.6pp | 69.0%-52.4pp | 82.5%-65.8pp |
| Annual return | 18.30% | 105.02%-86.7pp | 71.32%-53.0pp | 345.46%-327.2pp |
| Employer contribution / active EE | $1,414 | $2,735-48.3% | $1,984-28.7% | $4,764-70.3% |
| Participant deferral / active EE | $3,667 | $4,013-8.6% | $3,239+13.2% | $5,851-37.3% |
| Admin fee / account holder | $1,807 | $8,289-78.2% | $6,102-70.4% | $11,601-84.4% |