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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 | $98,077 | $117,859-16.8% | $102,438-4.3% | $145,959-32.8% |
| Participation rate | 69.6% | 78.6%-9.0pp | 76.5%-6.9pp | 80.3%-10.7pp |
| Annual return | 9.95% | 31.72%-21.8pp | 29.37%-19.4pp | 561.95%-552.0pp |
| Employer contribution / active EE | $3,000 | $3,615-17.0% | $3,024-0.8% | $4,661-35.6% |
| Participant deferral / active EE | $5,941 | $5,732+3.7% | $5,054+17.6% | $6,689-11.2% |
| Admin fee / account holder | $10,430 | $13,318-21.7% | $9,448+10.4% | $13,398-22.1% |