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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 | $97,597 | $112,729-13.4% | $98,716-1.1% | $137,256-28.9% |
| Participation rate | 63.6% | 74.2%-10.6pp | 69.3%-5.7pp | 80.0%-16.3pp |
| Annual return | 14.12% | 38.48%-24.4pp | 31.81%-17.7pp | 220.34%-206.2pp |
| Employer contribution / active EE | $1,044 | $2,725-61.7% | $2,279-54.2% | $4,156-74.9% |
| Participant deferral / active EE | $2,708 | $4,640-41.6% | $4,048-33.1% | $6,407-57.7% |
| Admin fee / account holder | $15,829 | $10,129+56.3% | $8,703+81.9% | $12,270+29.0% |