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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 | $93,512 | $91,559+2.1% | $133,971-30.2% | $79,852+17.1% |
| Participation rate | 47.7% | 73.3%-25.6pp | 79.8%-32.1pp | 69.6%-21.9pp |
| Annual return | 14.09% | 61.85%-47.8pp | 45.09%-31.0pp | 31.72%-17.6pp |
| Employer contribution / active EE | $1,927 | $2,384-19.1% | $3,919-50.8% | $2,471-22.0% |
| Participant deferral / active EE | $3,265 | $3,734-12.5% | $5,047-35.3% | $3,740-12.7% |
| Admin fee / account holder | $1,484 | $6,321-76.5% | $8,929-83.4% | $5,306-72.0% |