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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 | $111,401 | $102,422+8.8% | $147,117-24.3% | $80,959+37.6% |
| Participation rate | 54.1% | 75.9%-21.8pp | 82.2%-28.1pp | 67.7%-13.6pp |
| Annual return | 14.86% | 135.16%-120.3pp | 420.54%-405.7pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,063 | $3,717-71.4% | $4,932-78.5% | $2,757-61.5% |
| Participant deferral / active EE | $3,325 | $6,652-50.0% | $8,065-58.8% | $4,300-22.7% |
| Admin fee / account holder | $9,836 | $7,953+23.7% | $12,993-24.3% | $6,925+42.0% |