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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 | $97,401 | $91,559+6.4% | $133,959-27.3% | $79,858+22.0% |
| Participation rate | 40.0% | 73.3%-33.3pp | 79.8%-39.8pp | 69.6%-29.6pp |
| Annual return | 14.50% | 61.85%-47.3pp | 45.09%-30.6pp | 31.72%-17.2pp |
| Employer contribution / active EE | $1,562 | $2,384-34.5% | $3,919-60.1% | $2,471-36.8% |
| Participant deferral / active EE | $3,150 | $3,734-15.6% | $5,047-37.6% | $3,740-15.8% |
| Admin fee / account holder | $881 | $6,321-86.1% | $8,928-90.1% | $5,306-83.4% |