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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 | $107,342 | $110,410-2.8% | $102,437+4.8% | $145,897-26.4% |
| Participation rate | 14.3% | 77.9%-63.6pp | 74.5%-60.2pp | 80.3%-66.0pp |
| Annual return | 10.26% | 24.85%-14.6pp | 24.95%-14.7pp | 552.29%-542.0pp |
| Employer contribution / active EE | $1,042 | $4,217-75.3% | $3,871-73.1% | $4,663-77.6% |
| Participant deferral / active EE | $2,476 | $5,622-55.9% | $5,060-51.1% | $6,689-63.0% |
| Admin fee / account holder | $545 | $9,745-94.4% | $8,388-93.5% | $13,390-95.9% |