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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 | $99,522 | $101,950-2.4% | $125,529-20.7% | $86,983+14.4% |
| Participation rate | 38.5% | 70.2%-31.7pp | 74.7%-36.3pp | 69.5%-31.1pp |
| Annual return | 13.36% | 18.29%-4.9pp | 202.56%-189.2pp | 25.83%-12.5pp |
| Employer contribution / active EE | $923 | $2,358-60.8% | $3,058-69.8% | $2,584-64.3% |
| Participant deferral / active EE | $1,847 | $3,862-52.2% | $4,813-61.6% | $4,194-56.0% |
| Admin fee / account holder | $19,986 | $12,791+56.3% | $16,298+22.6% | $7,856+154.4% |