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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 | $112,554 | $94,436+19.2% | $115,599-2.6% | $82,637+36.2% |
| Participation rate | 62.0% | 70.4%-8.5pp | 74.3%-12.3pp | 68.1%-6.1pp |
| Annual return | 13.70% | 18.37%-4.7pp | 111.10%-97.4pp | 53.51%-39.8pp |
| Employer contribution / active EE | $715 | $2,324-69.2% | $2,955-75.8% | $2,552-72.0% |
| Participant deferral / active EE | $3,924 | $3,955-0.8% | $4,889-19.7% | $4,126-4.9% |
| Admin fee / account holder | $7,975 | $10,328-22.8% | $12,841-37.9% | $7,339+8.7% |