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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 | $93,598 | $58,258+60.7% | $81,820+14.4% | $80,925+15.7% |
| Participation rate | 51.1% | 63.5%-12.4pp | 72.4%-21.3pp | 67.7%-16.6pp |
| Annual return | 12.52% | 41.76%-29.2pp | 777.93%-765.4pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,779 | $2,345-24.1% | $2,915-39.0% | $2,756-35.5% |
| Participant deferral / active EE | $3,796 | $3,284+15.6% | $4,323-12.2% | $4,299-11.7% |
| Admin fee / account holder | $808 | $4,976-83.8% | $7,391-89.1% | $6,940-88.4% |