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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 | $117,829+0.6% | $102,423+15.8% | $145,877-18.7% |
| Participation rate | 40.0% | 78.6%-38.6pp | 76.5%-36.5pp | 80.3%-40.3pp |
| Annual return | 14.75% | 31.83%-17.1pp | 29.42%-14.7pp | 551.28%-536.5pp |
| Employer contribution / active EE | $1,882 | $3,615-47.9% | $3,023-37.7% | $4,663-59.6% |
| Participant deferral / active EE | $7,012 | $5,732+22.3% | $5,054+38.7% | $6,691+4.8% |
| Admin fee / account holder | $1,098 | $13,335-91.8% | $9,455-88.4% | $13,402-91.8% |