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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 | $89,408 | $78,670+13.6% | $109,173-18.1% | $85,847+4.1% |
| Participation rate | 36.7% | 68.3%-31.5pp | 75.9%-39.1pp | 69.3%-32.6pp |
| Annual return | 38.68% | 25.09%+13.6pp | 25.75%+12.9pp | 318.61%-279.9pp |
| Employer contribution / active EE | $1,099 | $2,734-59.8% | $3,723-70.5% | $2,565-57.2% |
| Participant deferral / active EE | $1,983 | $3,467-42.8% | $4,654-57.4% | $3,952-49.8% |
| Admin fee / account holder | $3,033 | $5,469-44.5% | $6,755-55.1% | $6,261-51.6% |