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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 | $79,243 | $78,705+0.7% | $117,860-32.8% | $70,124+13.0% |
| Participation rate | 53.1% | 73.2%-20.1pp | 79.7%-26.6pp | 69.5%-16.5pp |
| Annual return | 16.00% | 23.30%-7.3pp | 335.10%-319.1pp | 73.14%-57.1pp |
| Employer contribution / active EE | $1,064 | $2,223-52.1% | $3,786-71.9% | $2,342-54.6% |
| Participant deferral / active EE | $3,293 | $3,297-0.1% | $4,482-26.5% | $3,332-1.2% |
| Admin fee / account holder | $5,795 | $5,065+14.4% | $8,021-27.7% | $4,645+24.7% |