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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 | $96,058 | $115,796-17.0% | $101,264-5.1% | $158,950-39.6% |
| Participation rate | 28.6% | 79.4%-50.8pp | 75.8%-47.2pp | 82.0%-53.4pp |
| Annual return | 7.88% | 56.15%-48.3pp | 46.48%-38.6pp | 302.91%-295.0pp |
| Employer contribution / active EE | $807 | $4,175-80.7% | $3,660-77.9% | $4,762-83.0% |
| Participant deferral / active EE | $2,647 | $4,958-46.6% | $4,370-39.4% | $5,983-55.7% |
| Admin fee / account holder | $847 | $7,247-88.3% | $5,947-85.8% | $11,248-92.5% |