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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 | $80,150 | $88,672-9.6% | $105,223-23.8% | $82,448-2.8% |
| Participation rate | 42.0% | 67.9%-25.9pp | 75.0%-33.0pp | 68.1%-26.1pp |
| Annual return | 16.23% | 30.86%-14.6pp | 180.65%-164.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,355 | $3,048-55.5% | $3,689-63.3% | $2,551-46.9% |
| Participant deferral / active EE | $4,390 | $4,036+8.8% | $5,072-13.5% | $4,139+6.0% |
| Admin fee / account holder | $785 | $7,146-89.0% | $8,859-91.1% | $7,234-89.2% |