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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 | $107,072 | $124,980-14.3% | $108,359-1.2% | $154,746-30.8% |
| Participation rate | 69.2% | 75.2%-5.9pp | 70.1%-0.9pp | 80.7%-11.5pp |
| Annual return | 15.68% | 45.00%-29.3pp | 36.89%-21.2pp | 172.34%-156.7pp |
| Employer contribution / active EE | $4,515 | $2,851+58.4% | $2,399+88.2% | $4,379+3.1% |
| Participant deferral / active EE | $4,877 | $4,743+2.8% | $4,137+17.9% | $6,730-27.5% |
| Admin fee / account holder | $59,414 | $11,502+416.6% | $9,741+509.9% | $14,365+313.6% |