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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 | $98,757 | $61,815+59.8% | $97,295+1.5% | $80,959+22.0% |
| Participation rate | 42.1% | 63.5%-21.4pp | 72.7%-30.6pp | 67.7%-25.6pp |
| Annual return | 13.18% | -558.73%+571.9pp | 75.62%-62.4pp | 35.67%-22.5pp |
| Employer contribution / active EE | $2,705 | $1,836+47.3% | $2,723-0.7% | $2,757-1.9% |
| Participant deferral / active EE | $5,310 | $3,027+75.4% | $4,264+24.5% | $4,300+23.5% |
| Admin fee / account holder | $7,858 | $5,166+52.1% | $5,646+39.2% | $6,925+13.5% |