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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 | $103,050 | $98,776+4.3% | $149,745-31.2% | $79,856+29.0% |
| Participation rate | 61.9% | 75.8%-13.9pp | 82.5%-20.6pp | 69.6%-7.7pp |
| Annual return | 13.84% | 27.38%-13.5pp | 276.72%-262.9pp | 31.71%-17.9pp |
| Employer contribution / active EE | $1,909 | $3,217-40.7% | $4,646-58.9% | $2,471-22.7% |
| Participant deferral / active EE | $3,236 | $5,681-43.0% | $6,843-52.7% | $3,741-13.5% |
| Admin fee / account holder | $10,530 | $6,053+74.0% | $9,312+13.1% | $5,306+98.4% |