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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 | $110,052 | $126,519-13.0% | $106,201+3.6% | $145,959-24.6% |
| Participation rate | 42.9% | 77.7%-34.8pp | 75.3%-32.4pp | 80.3%-37.4pp |
| Annual return | 11.28% | 225.10%-213.8pp | 116.26%-105.0pp | 561.95%-550.7pp |
| Employer contribution / active EE | $1,392 | $3,726-62.6% | $3,170-56.1% | $4,661-70.1% |
| Participant deferral / active EE | $3,186 | $5,716-44.3% | $5,012-36.4% | $6,689-52.4% |
| Admin fee / account holder | $1,547 | $17,312-91.1% | $11,039-86.0% | $13,398-88.5% |