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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 | $89,788 | $93,373-3.8% | $152,473-41.1% | $85,851+4.6% |
| Participation rate | 69.0% | 70.1%-1.1pp | 78.2%-9.2pp | 69.3%-0.4pp |
| Annual return | 20.41% | 21.84%-1.4pp | 757.59%-737.2pp | 318.63%-298.2pp |
| Employer contribution / active EE | $1,980 | $2,996-33.9% | $4,326-54.2% | $2,565-22.8% |
| Participant deferral / active EE | $2,912 | $4,550-36.0% | $5,817-49.9% | $3,952-26.3% |
| Admin fee / account holder | $2,461 | $13,853-82.2% | $15,811-84.4% | $6,261-60.7% |