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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 | $94,504 | $112,915-16.3% | $90,965+3.9% | $158,950-40.5% |
| Participation rate | 42.9% | 74.7%-31.9pp | 69.0%-26.2pp | 82.0%-39.1pp |
| Annual return | 16.97% | 215.75%-198.8pp | 134.57%-117.6pp | 302.91%-285.9pp |
| Employer contribution / active EE | $1,041 | $2,894-64.0% | $2,122-51.0% | $4,762-78.1% |
| Participant deferral / active EE | $2,166 | $4,128-47.5% | $3,373-35.8% | $5,983-63.8% |
| Admin fee / account holder | $896 | $8,044-88.9% | $5,960-85.0% | $11,248-92.0% |