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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 | $77,303 | $83,369-7.3% | $105,223-26.5% | $67,986+13.7% |
| Participation rate | 50.9% | 56.3%-5.4pp | 75.0%-24.2pp | 57.2%-6.3pp |
| Annual return | 14.92% | 24.64%-9.7pp | 180.65%-165.7pp | 31.67%-16.7pp |
| Employer contribution / active EE | $1,630 | $2,541-35.9% | $3,689-55.8% | $2,019-19.3% |
| Participant deferral / active EE | $2,060 | $3,295-37.5% | $5,072-59.4% | $3,358-38.6% |
| Admin fee / account holder | $3,214 | $4,073-21.1% | $8,859-63.7% | $3,203+0.4% |