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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 | $102,925 | $62,592+64.4% | $85,709+20.1% | $85,847+19.9% |
| Participation rate | 38.5% | 61.1%-22.6pp | 69.9%-31.3pp | 69.3%-30.8pp |
| Annual return | 13.07% | 23.77%-10.7pp | 21.49%-8.4pp | 318.61%-305.5pp |
| Employer contribution / active EE | $1,179 | $1,755-32.8% | $2,619-55.0% | $2,565-54.0% |
| Participant deferral / active EE | $2,424 | $2,802-13.5% | $3,924-38.2% | $3,952-38.7% |
| Admin fee / account holder | $937 | $4,643-79.8% | $6,876-86.4% | $6,261-85.0% |