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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 | $100,571 | $125,797-20.1% | $170,028-40.9% | $75,181+33.8% |
| Participation rate | 63.9% | 83.6%-19.7pp | 87.0%-23.1pp | 67.2%-3.3pp |
| Annual return | 17.12% | 27.20%-10.1pp | 53.39%-36.3pp | 160.69%-143.6pp |
| Employer contribution / active EE | $5,540 | $4,616+20.0% | $6,788-18.4% | $2,671+107.4% |
| Participant deferral / active EE | $3,663 | $6,838-46.4% | $10,409-64.8% | $4,126-11.2% |
| Admin fee / account holder | $1,037 | $8,177-87.3% | $12,820-91.9% | $5,650-81.6% |