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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 | $89,585 | $61,125+46.6% | $94,057-4.8% | $87,485+2.4% |
| Participation rate | 53.6% | 64.1%-10.5pp | 73.3%-19.8pp | 68.9%-15.4pp |
| Annual return | 14.39% | 35.20%-20.8pp | 480.62%-466.2pp | 26.06%-11.7pp |
| Employer contribution / active EE | $1,712 | $2,136-19.9% | $2,933-41.6% | $2,596-34.1% |
| Participant deferral / active EE | $3,535 | $3,260+8.4% | $4,709-24.9% | $4,274-17.3% |
| Admin fee / account holder | $9,479 | $5,629+68.4% | $7,244+30.8% | $7,775+21.9% |