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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 | $80,332-3.8% | $107,187-27.9% | $64,097+20.6% |
| Participation rate | 50.9% | 54.4%-3.5pp | 75.0%-24.1pp | 55.2%-4.3pp |
| Annual return | 14.92% | 24.26%-9.3pp | 204.55%-189.6pp | 34.64%-19.7pp |
| Employer contribution / active EE | $1,630 | $2,501-34.8% | $3,782-56.9% | $1,891-13.8% |
| Participant deferral / active EE | $2,060 | $3,109-33.7% | $5,096-59.6% | $3,080-33.1% |
| Admin fee / account holder | $3,214 | $4,314-25.5% | $9,162-64.9% | $3,454-6.9% |