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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 | $117,829-19.0% | $102,423-6.8% | $145,877-34.6% |
| Participation rate | 45.8% | 78.6%-32.8pp | 76.5%-30.7pp | 80.3%-34.5pp |
| Annual return | 15.38% | 31.83%-16.5pp | 29.42%-14.0pp | 551.28%-535.9pp |
| Employer contribution / active EE | $1,938 | $3,615-46.4% | $3,023-35.9% | $4,663-58.4% |
| Participant deferral / active EE | $3,990 | $5,732-30.4% | $5,054-21.1% | $6,691-40.4% |
| Admin fee / account holder | $1,234 | $13,335-90.7% | $9,455-86.9% | $13,402-90.8% |