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 | $94,917 | $100,848-5.9% | $86,717+9.5% | $134,554-29.5% |
| Participation rate | 42.9% | 78.9%-36.1pp | 76.6%-33.7pp | 81.2%-38.4pp |
| Annual return | 2.70% | 29.12%-26.4pp | 35.97%-33.3pp | 418.46%-415.8pp |
| Employer contribution / active EE | $4,872 | $3,491+39.6% | $2,837+71.7% | $4,742+2.8% |
| Participant deferral / active EE | $4,397 | $5,340-17.7% | $4,657-5.6% | $6,401-31.3% |
| Admin fee / account holder | $2,283 | $10,930-79.1% | $7,494-69.5% | $11,430-80.0% |