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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 | $98,579 | $106,280-7.2% | $96,538+2.1% | $139,487-29.3% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 16.90% | 38.48%-21.6pp | 35.74%-18.8pp | 373.84%-356.9pp |
| Employer contribution / active EE | $3,417 | $4,107-16.8% | $3,740-8.7% | $4,755-28.1% |
| Participant deferral / active EE | $8,993 | $5,457+64.8% | $4,880+84.3% | $6,713+34.0% |
| Admin fee / account holder | $2,844 | $7,888-63.9% | $6,737-57.8% | $11,407-75.1% |