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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 | $106,790 | $117,895-9.4% | $102,460+4.2% | $145,897-26.8% |
| Participation rate | 53.8% | 78.6%-24.8pp | 76.5%-22.7pp | 80.3%-26.5pp |
| Annual return | 11.40% | 31.92%-20.5pp | 29.47%-18.1pp | 552.29%-540.9pp |
| Employer contribution / active EE | $1,197 | $3,619-66.9% | $3,025-60.4% | $4,663-74.3% |
| Participant deferral / active EE | $4,309 | $5,736-24.9% | $5,056-14.8% | $6,689-35.6% |
| Admin fee / account holder | $899 | $13,353-93.3% | $9,460-90.5% | $13,390-93.3% |