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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 | $101,359 | $117,895-14.0% | $102,460-1.1% | $145,897-30.5% |
| Participation rate | 47.8% | 78.6%-30.8pp | 76.5%-28.7pp | 80.3%-32.5pp |
| Annual return | 8.86% | 31.92%-23.1pp | 29.47%-20.6pp | 552.29%-543.4pp |
| Employer contribution / active EE | $1,472 | $3,619-59.3% | $3,025-51.3% | $4,663-68.4% |
| Participant deferral / active EE | $3,567 | $5,736-37.8% | $5,056-29.4% | $6,689-46.7% |
| Admin fee / account holder | $5,680 | $13,353-57.5% | $9,460-40.0% | $13,390-57.6% |