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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 | $95,149 | $102,385-7.1% | $147,080-35.3% | $80,935+17.6% |
| Participation rate | 58.6% | 75.9%-17.3pp | 82.2%-23.6pp | 67.7%-9.1pp |
| Annual return | 13.89% | 135.09%-121.2pp | 420.17%-406.3pp | 35.66%-21.8pp |
| Employer contribution / active EE | $2,827 | $3,717-23.9% | $4,933-42.7% | $2,757+2.6% |
| Participant deferral / active EE | $8,959 | $6,651+34.7% | $8,066+11.1% | $4,299+108.4% |
| Admin fee / account holder | $7,993 | $7,951+0.5% | $12,989-38.5% | $6,924+15.4% |