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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 | $95,843 | $98,240-2.4% | $82,312+16.4% | $147,586-35.1% |
| Participation rate | 46.2% | 79.7%-33.6pp | 76.9%-30.7pp | 82.8%-36.7pp |
| Annual return | 16.27% | 30.85%-14.6pp | 25.88%-9.6pp | 578.59%-562.3pp |
| Employer contribution / active EE | $800 | $3,192-74.9% | $2,428-67.0% | $4,876-83.6% |
| Participant deferral / active EE | $2,332 | $4,383-46.8% | $3,706-37.1% | $5,439-57.1% |
| Admin fee / account holder | $1,205 | $8,563-85.9% | $5,608-78.5% | $10,886-88.9% |