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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 | $86,701 | $106,524-18.6% | $152,301-43.1% | $87,485-0.9% |
| Participation rate | 57.0% | 75.8%-18.8pp | 82.4%-25.5pp | 68.9%-12.0pp |
| Annual return | 16.87% | 26.89%-10.0pp | 80.50%-63.6pp | 26.06%-9.2pp |
| Employer contribution / active EE | $2,082 | $3,371-38.2% | $4,624-55.0% | $2,596-19.8% |
| Participant deferral / active EE | $4,219 | $6,525-35.3% | $8,004-47.3% | $4,274-1.3% |
| Admin fee / account holder | $11,223 | $8,287+35.4% | $14,398-22.1% | $7,775+44.4% |