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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 | $94,050 | $89,259+5.4% | $107,187-12.3% | $82,637+13.8% |
| Participation rate | 58.3% | 67.9%-9.6pp | 75.0%-16.7pp | 68.1%-9.7pp |
| Annual return | 13.78% | 21.02%-7.2pp | 204.55%-190.8pp | 53.51%-39.7pp |
| Employer contribution / active EE | $1,715 | $3,080-44.3% | $3,782-54.7% | $2,552-32.8% |
| Participant deferral / active EE | $3,199 | $4,037-20.8% | $5,096-37.2% | $4,126-22.5% |
| Admin fee / account holder | $11,690 | $7,381+58.4% | $9,162+27.6% | $7,339+59.3% |