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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 | $106,895 | $117,829-9.3% | $102,423+4.4% | $145,877-26.7% |
| Participation rate | 30.8% | 78.6%-47.8pp | 76.5%-45.7pp | 80.3%-49.5pp |
| Annual return | 10.22% | 31.83%-21.6pp | 29.42%-19.2pp | 551.28%-541.1pp |
| Employer contribution / active EE | $1,491 | $3,615-58.8% | $3,023-50.7% | $4,663-68.0% |
| Participant deferral / active EE | $4,739 | $5,732-17.3% | $5,054-6.2% | $6,691-29.2% |
| Admin fee / account holder | $891 | $13,335-93.3% | $9,455-90.6% | $13,402-93.4% |