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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 | $97,338 | $106,247-8.4% | $96,515+0.9% | $139,466-30.2% |
| Participation rate | 44.4% | 77.8%-33.4pp | 74.3%-29.9pp | 80.3%-35.9pp |
| Annual return | 14.00% | 38.47%-24.5pp | 35.73%-21.7pp | 373.66%-359.7pp |
| Employer contribution / active EE | $1,080 | $4,106-73.7% | $3,740-71.1% | $4,754-77.3% |
| Participant deferral / active EE | $2,371 | $5,456-56.5% | $4,880-51.4% | $6,712-64.7% |
| Admin fee / account holder | $8,181 | $7,885+3.8% | $6,735+21.5% | $11,409-28.3% |