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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 | $93,345-14.1% | $119,126-32.7% | $87,485-8.4% |
| Participation rate | 42.0% | 68.7%-26.7pp | 75.8%-33.8pp | 68.9%-26.9pp |
| Annual return | 16.23% | 19.08%-2.8pp | 282.11%-265.9pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,355 | $3,172-57.3% | $4,034-66.4% | $2,596-47.8% |
| Participant deferral / active EE | $4,390 | $4,099+7.1% | $5,318-17.5% | $4,274+2.7% |
| Admin fee / account holder | $785 | $8,039-90.2% | $10,693-92.7% | $7,775-89.9% |