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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 | $106,806 | $117,846-9.4% | $102,434+4.3% | $145,884-26.8% |
| Participation rate | 44.4% | 78.6%-34.2pp | 76.5%-32.1pp | 80.3%-35.9pp |
| Annual return | 16.25% | 31.90%-15.6pp | 29.46%-13.2pp | 551.85%-535.6pp |
| Employer contribution / active EE | $1,183 | $3,615-67.3% | $3,023-60.9% | $4,662-74.6% |
| Participant deferral / active EE | $2,511 | $5,733-56.2% | $5,055-50.3% | $6,690-62.5% |
| Admin fee / account holder | $7,371 | $13,356-44.8% | $9,462-22.1% | $13,392-45.0% |