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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 | $107,905 | $111,814-3.5% | $103,378+4.4% | $145,978-26.1% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.7pp | 80.3%-37.4pp |
| Annual return | 18.45% | 24.80%-6.3pp | 24.91%-6.5pp | 550.52%-532.1pp |
| Employer contribution / active EE | $1,253 | $4,215-70.3% | $3,870-67.6% | $4,662-73.1% |
| Participant deferral / active EE | $4,031 | $5,618-28.2% | $5,058-20.3% | $6,690-39.7% |
| Admin fee / account holder | $1,070 | $9,764-89.0% | $8,401-87.3% | $13,400-92.0% |