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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 | $97,283 | $117,433-17.2% | $99,475-2.2% | $152,897-36.4% |
| Participation rate | 36.4% | 77.5%-41.2pp | 73.8%-37.5pp | 82.5%-46.1pp |
| Annual return | 13.04% | 31.87%-18.8pp | 30.72%-17.7pp | 345.43%-332.4pp |
| Employer contribution / active EE | $1,239 | $3,013-58.9% | $2,540-51.2% | $4,764-74.0% |
| Participant deferral / active EE | $3,884 | $4,086-4.9% | $3,619+7.3% | $5,851-33.6% |
| Admin fee / account holder | $717 | $7,634-90.6% | $6,252-88.5% | $11,599-93.8% |