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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 | $108,892 | $116,203-6.3% | $93,621+16.3% | $152,909-28.8% |
| Participation rate | 61.5% | 78.1%-16.5pp | 75.8%-14.3pp | 82.5%-20.9pp |
| Annual return | 21.81% | 35.96%-14.2pp | 32.76%-10.9pp | 345.46%-323.7pp |
| Employer contribution / active EE | $1,912 | $3,219-40.6% | $2,719-29.7% | $4,764-59.9% |
| Participant deferral / active EE | $4,531 | $4,605-1.6% | $4,070+11.3% | $5,851-22.6% |
| Admin fee / account holder | $4,506 | $10,751-58.1% | $7,890-42.9% | $11,601-61.2% |