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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 | $102,169 | $99,652+2.5% | $78,778+29.7% | $147,586-30.8% |
| Participation rate | 47.1% | 76.2%-29.2pp | 69.2%-22.1pp | 82.8%-35.8pp |
| Annual return | 14.52% | 47.28%-32.8pp | 35.62%-21.1pp | 578.59%-564.1pp |
| Employer contribution / active EE | $1,258 | $2,796-55.0% | $1,986-36.6% | $4,876-74.2% |
| Participant deferral / active EE | $3,568 | $3,664-2.6% | $2,958+20.6% | $5,439-34.4% |
| Admin fee / account holder | $13,882 | $7,155+94.0% | $5,134+170.4% | $10,886+27.5% |