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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 | $95,438 | $117,895-19.0% | $102,460-6.9% | $145,897-34.6% |
| Participation rate | 45.8% | 78.6%-32.8pp | 76.5%-30.7pp | 80.3%-34.5pp |
| Annual return | 15.38% | 31.92%-16.5pp | 29.47%-14.1pp | 552.29%-536.9pp |
| Employer contribution / active EE | $1,938 | $3,619-46.4% | $3,025-35.9% | $4,663-58.4% |
| Participant deferral / active EE | $3,990 | $5,736-30.5% | $5,056-21.1% | $6,689-40.4% |
| Admin fee / account holder | $1,234 | $13,353-90.8% | $9,460-87.0% | $13,390-90.8% |