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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 | $105,209 | $107,809-2.4% | $97,032+8.4% | $155,188-32.2% |
| Participation rate | 45.5% | 75.5%-30.0pp | 71.6%-26.1pp | 80.8%-35.3pp |
| Annual return | 17.83% | 38.06%-20.2pp | 35.38%-17.5pp | 148.84%-131.0pp |
| Employer contribution / active EE | $1,612 | $2,911-44.6% | $2,629-38.7% | $4,248-62.0% |
| Participant deferral / active EE | $7,961 | $5,129+55.2% | $4,672+70.4% | $6,531+21.9% |
| Admin fee / account holder | $484 | $10,717-95.5% | $9,418-94.9% | $14,480-96.7% |