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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 | $98,724 | $110,410-10.6% | $102,437-3.6% | $145,897-32.3% |
| Participation rate | 44.4% | 77.9%-33.5pp | 74.5%-30.1pp | 80.3%-35.9pp |
| Annual return | 15.99% | 24.85%-8.9pp | 24.95%-9.0pp | 552.29%-536.3pp |
| Employer contribution / active EE | $2,204 | $4,217-47.7% | $3,871-43.1% | $4,663-52.7% |
| Participant deferral / active EE | $5,727 | $5,622+1.9% | $5,060+13.2% | $6,689-14.4% |
| Admin fee / account holder | $15,922 | $9,745+63.4% | $8,388+89.8% | $13,390+18.9% |