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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 | $107,235 | $88,672+20.9% | $105,223+1.9% | $82,448+30.1% |
| Participation rate | 30.6% | 67.9%-37.4pp | 75.0%-44.5pp | 68.1%-37.5pp |
| Annual return | 15.45% | 30.86%-15.4pp | 180.65%-165.2pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,067 | $3,048-65.0% | $3,689-71.1% | $2,551-58.2% |
| Participant deferral / active EE | $2,870 | $4,036-28.9% | $5,072-43.4% | $4,139-30.7% |
| Admin fee / account holder | $4,599 | $7,146-35.6% | $8,859-48.1% | $7,234-36.4% |