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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 | $88,027 | $103,966-15.3% | $112,899-22.0% | $75,181+17.1% |
| Participation rate | 23.3% | 75.7%-52.3pp | 80.5%-57.2pp | 67.2%-43.9pp |
| Annual return | 18.63% | 24.54%-5.9pp | 34.11%-15.5pp | 160.69%-142.1pp |
| Employer contribution / active EE | $1,144 | $3,870-70.5% | $4,566-75.0% | $2,671-57.2% |
| Participant deferral / active EE | $2,444 | $5,456-55.2% | $6,516-62.5% | $4,126-40.8% |
| Admin fee / account holder | $4,069 | $7,663-46.9% | $7,047-42.3% | $5,650-28.0% |