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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 | $97,880 | $110,337-11.3% | $102,383-4.4% | $145,877-32.9% |
| Participation rate | 35.3% | 77.9%-42.6pp | 74.5%-39.2pp | 80.3%-45.0pp |
| Annual return | 14.79% | 24.83%-10.0pp | 24.94%-10.1pp | 551.28%-536.5pp |
| Employer contribution / active EE | $1,095 | $4,216-74.0% | $3,870-71.7% | $4,663-76.5% |
| Participant deferral / active EE | $3,246 | $5,621-42.3% | $5,060-35.8% | $6,691-51.5% |
| Admin fee / account holder | $3,553 | $9,750-63.6% | $8,391-57.7% | $13,402-73.5% |