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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 | $96,997 | $78,707+23.2% | $117,861-17.7% | $70,126+38.3% |
| Participation rate | 60.8% | 73.2%-12.4pp | 79.7%-18.9pp | 69.5%-8.8pp |
| Annual return | 18.95% | 23.30%-4.3pp | 335.11%-316.2pp | 73.15%-54.2pp |
| Employer contribution / active EE | $1,755 | $2,223-21.1% | $3,786-53.7% | $2,343-25.1% |
| Participant deferral / active EE | $4,246 | $3,297+28.8% | $4,482-5.3% | $3,332+27.4% |
| Admin fee / account holder | $2,660 | $5,066-47.5% | $8,021-66.8% | $4,645-42.7% |