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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 | $95,242 | $95,415-0.2% | $185,851-48.8% | $85,851+10.9% |
| Participation rate | 54.7% | 68.8%-14.0pp | 81.7%-27.0pp | 69.3%-14.6pp |
| Annual return | 16.90% | 23.59%-6.7pp | 122.11%-105.2pp | 318.63%-301.7pp |
| Employer contribution / active EE | $2,916 | $3,314-12.0% | $5,168-43.6% | $2,565+13.7% |
| Participant deferral / active EE | $2,906 | $3,424-15.1% | $5,569-47.8% | $3,952-26.5% |
| Admin fee / account holder | $2,233 | $7,215-69.0% | $16,245-86.3% | $6,261-64.3% |