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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 | $98,591 | $96,731+1.9% | $123,973-20.5% | $86,983+13.3% |
| Participation rate | 64.0% | 70.0%-6.0pp | 76.7%-12.7pp | 69.5%-5.5pp |
| Annual return | 13.17% | 17.33%-4.2pp | 388.13%-375.0pp | 25.83%-12.7pp |
| Employer contribution / active EE | $1,133 | $3,297-65.6% | $4,126-72.5% | $2,584-56.1% |
| Participant deferral / active EE | $4,469 | $4,152+7.6% | $5,247-14.8% | $4,194+6.6% |
| Admin fee / account holder | $428 | $8,722-95.1% | $11,799-96.4% | $7,856-94.5% |