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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 | $94,152 | $102,422-8.1% | $147,117-36.0% | $80,959+16.3% |
| Participation rate | 56.3% | 75.9%-19.5pp | 82.2%-25.8pp | 67.7%-11.3pp |
| Annual return | 17.93% | 135.16%-117.2pp | 420.54%-402.6pp | 35.67%-17.7pp |
| Employer contribution / active EE | $2,663 | $3,717-28.4% | $4,932-46.0% | $2,757-3.4% |
| Participant deferral / active EE | $6,250 | $6,652-6.0% | $8,065-22.5% | $4,300+45.3% |
| Admin fee / account holder | $6,416 | $7,953-19.3% | $12,993-50.6% | $6,925-7.4% |