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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 | $99,941 | $94,031+6.3% | $115,768-13.7% | $82,448+21.2% |
| Participation rate | 46.3% | 70.4%-24.1pp | 74.4%-28.1pp | 68.1%-21.7pp |
| Annual return | 16.05% | 20.61%-4.6pp | 100.46%-84.4pp | 41.64%-25.6pp |
| Employer contribution / active EE | $922 | $2,323-60.3% | $2,940-68.6% | $2,551-63.9% |
| Participant deferral / active EE | $3,427 | $3,972-13.7% | $4,917-30.3% | $4,139-17.2% |
| Admin fee / account holder | $12,758 | $10,249+24.5% | $12,439+2.6% | $7,234+76.4% |