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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 | $88,413 | $78,705+12.3% | $117,860-25.0% | $70,124+26.1% |
| Participation rate | 65.9% | 73.2%-7.3pp | 79.7%-13.8pp | 69.5%-3.6pp |
| Annual return | 16.21% | 23.30%-7.1pp | 335.10%-318.9pp | 73.14%-56.9pp |
| Employer contribution / active EE | $990 | $2,223-55.5% | $3,786-73.9% | $2,342-57.7% |
| Participant deferral / active EE | $3,000 | $3,297-9.0% | $4,482-33.1% | $3,332-10.0% |
| Admin fee / account holder | $2,649 | $5,065-47.7% | $8,021-67.0% | $4,645-43.0% |