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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 | $103,594 | $105,200-1.5% | $159,474-35.0% | $85,847+20.7% |
| Participation rate | 53.3% | 75.8%-22.4pp | 82.8%-29.5pp | 69.3%-16.0pp |
| Annual return | 16.05% | 45.08%-29.0pp | 263.68%-247.6pp | 318.61%-302.6pp |
| Employer contribution / active EE | $1,676 | $3,319-49.5% | $4,831-65.3% | $2,565-34.7% |
| Participant deferral / active EE | $3,369 | $5,946-43.3% | $7,353-54.2% | $3,952-14.8% |
| Admin fee / account holder | $5,852 | $6,934-15.6% | $10,802-45.8% | $6,261-6.5% |