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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 | $96,181 | $91,179+5.5% | $178,499-46.1% | $79,852+20.4% |
| Participation rate | 40.0% | 69.2%-29.2pp | 81.9%-41.9pp | 69.6%-29.6pp |
| Annual return | 15.81% | 24.19%-8.4pp | 151.10%-135.3pp | 31.72%-15.9pp |
| Employer contribution / active EE | $2,868 | $3,256-11.9% | $5,011-42.8% | $2,471+16.1% |
| Participant deferral / active EE | $3,573 | $3,236+10.4% | $5,202-31.3% | $3,740-4.5% |
| Admin fee / account holder | $3,491 | $6,749-48.3% | $13,986-75.0% | $5,306-34.2% |