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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 | $104,860 | $106,864-1.9% | $147,318-28.8% | $82,637+26.9% |
| Participation rate | 51.4% | 75.5%-24.1pp | 82.1%-30.6pp | 68.1%-16.6pp |
| Annual return | 16.19% | 27.49%-11.3pp | 70.43%-54.2pp | 53.51%-37.3pp |
| Employer contribution / active EE | $1,845 | $3,417-46.0% | $4,593-59.8% | $2,552-27.7% |
| Participant deferral / active EE | $4,198 | $6,496-35.4% | $7,906-46.9% | $4,126+1.7% |
| Admin fee / account holder | $1,717 | $8,415-79.6% | $13,708-87.5% | $7,339-76.6% |