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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 | $118,587 | $117,895+0.6% | $102,460+15.7% | $145,897-18.7% |
| Participation rate | 40.0% | 78.6%-38.6pp | 76.5%-36.5pp | 80.3%-40.3pp |
| Annual return | 14.75% | 31.92%-17.2pp | 29.47%-14.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $1,882 | $3,619-48.0% | $3,025-37.8% | $4,663-59.6% |
| Participant deferral / active EE | $7,012 | $5,736+22.2% | $5,056+38.7% | $6,689+4.8% |
| Admin fee / account holder | $1,098 | $13,353-91.8% | $9,460-88.4% | $13,390-91.8% |