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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 | $108,083 | $55,930+93.2% | $76,089+42.0% | $80,925+33.6% |
| Participation rate | 61.5% | 62.1%-0.5pp | 69.1%-7.5pp | 67.7%-6.1pp |
| Annual return | 13.29% | 20.58%-7.3pp | 360.94%-347.7pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,882 | $1,866+0.9% | $2,690-30.0% | $2,756-31.7% |
| Participant deferral / active EE | $3,246 | $3,051+6.4% | $4,259-23.8% | $4,299-24.5% |
| Admin fee / account holder | $4,686 | $5,241-10.6% | $6,418-27.0% | $6,940-32.5% |