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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 | $96,226 | $87,546+9.9% | $75,784+27.0% | $125,389-23.3% |
| Participation rate | 69.2% | 80.2%-10.9pp | 75.8%-6.6pp | 83.2%-14.0pp |
| Annual return | -2.08% | 13.49%-15.6pp | 9.68%-11.8pp | 282.24%-284.3pp |
| Employer contribution / active EE | $1,362 | $3,930-65.3% | $3,323-59.0% | $4,866-72.0% |
| Participant deferral / active EE | $3,536 | $4,230-16.4% | $3,652-3.2% | $5,352-33.9% |
| Admin fee / account holder | $1,731 | $6,503-73.4% | $5,300-67.3% | $9,541-81.9% |