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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 | $99,558 | $107,666-7.5% | $102,184-2.6% | $154,746-35.7% |
| Participation rate | 46.7% | 83.7%-37.1pp | 82.6%-35.9pp | 80.7%-34.0pp |
| Annual return | 14.81% | 29.33%-14.5pp | 31.58%-16.8pp | 172.34%-157.5pp |
| Employer contribution / active EE | $575 | $3,846-85.0% | $3,594-84.0% | $4,379-86.9% |
| Participant deferral / active EE | $3,528 | $8,719-59.5% | $8,309-57.5% | $6,730-47.6% |
| Admin fee / account holder | $553 | $12,943-95.7% | $11,609-95.2% | $14,365-96.1% |