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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 | $101,994 | $71,215+43.2% | $93,696+8.9% | $80,935+26.0% |
| Participation rate | 58.3% | 60.4%-2.1pp | 68.7%-10.4pp | 67.7%-9.3pp |
| Annual return | 10.26% | 11.27%-1.0pp | 133.74%-123.5pp | 35.66%-25.4pp |
| Employer contribution / active EE | $387 | $1,565-75.3% | $2,422-84.0% | $2,757-86.0% |
| Participant deferral / active EE | $3,867 | $4,037-4.2% | $4,417-12.4% | $4,299-10.1% |
| Admin fee / account holder | $19,419 | $6,958+179.1% | $8,287+134.3% | $6,924+180.4% |