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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 | $89,259+10.5% | $107,187-8.0% | $82,637+19.3% |
| Participation rate | 64.0% | 67.9%-3.9pp | 75.0%-11.0pp | 68.1%-4.1pp |
| Annual return | 13.17% | 21.02%-7.9pp | 204.55%-191.4pp | 53.51%-40.3pp |
| Employer contribution / active EE | $1,133 | $3,080-63.2% | $3,782-70.0% | $2,552-55.6% |
| Participant deferral / active EE | $4,469 | $4,037+10.7% | $5,096-12.3% | $4,126+8.3% |
| Admin fee / account holder | $428 | $7,381-94.2% | $9,162-95.3% | $7,339-94.2% |