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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 | $78,204 | $83,045-5.8% | $130,045-39.9% | $71,511+9.4% |
| Participation rate | 53.4% | 74.1%-20.7pp | 78.5%-25.1pp | 67.9%-14.5pp |
| Annual return | 20.37% | 20.61%-0.2pp | -137.30%+157.7pp | 28.86%-8.5pp |
| Employer contribution / active EE | $1,190 | $2,623-54.6% | $4,321-72.5% | $2,589-54.0% |
| Participant deferral / active EE | $2,797 | $4,436-36.9% | $5,820-51.9% | $4,291-34.8% |
| Admin fee / account holder | $921 | $1,727-46.7% | $10,600-91.3% | $1,588-42.0% |