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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 | $93,824 | $98,776-5.0% | $149,745-37.3% | $79,856+17.5% |
| Participation rate | 52.9% | 75.8%-22.8pp | 82.5%-29.5pp | 69.6%-16.7pp |
| Annual return | 12.79% | 27.38%-14.6pp | 276.72%-263.9pp | 31.71%-18.9pp |
| Employer contribution / active EE | $1,379 | $3,217-57.1% | $4,646-70.3% | $2,471-44.2% |
| Participant deferral / active EE | $3,594 | $5,681-36.7% | $6,843-47.5% | $3,741-3.9% |
| Admin fee / account holder | $803 | $6,053-86.7% | $9,312-91.4% | $5,306-84.9% |