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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 | $106,616 | $75,807+40.6% | $116,096-8.2% | $86,983+22.6% |
| Participation rate | 41.2% | 66.9%-25.7pp | 73.3%-32.1pp | 69.5%-28.4pp |
| Annual return | 26.43% | 18.57%+7.9pp | 326.25%-299.8pp | 25.83%+0.6pp |
| Employer contribution / active EE | $1,052 | $1,892-44.4% | $2,503-58.0% | $2,584-59.3% |
| Participant deferral / active EE | $2,674 | $3,212-16.7% | $3,952-32.3% | $4,194-36.2% |
| Admin fee / account holder | $1,331 | $6,659-80.0% | $7,704-82.7% | $7,856-83.1% |