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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 | $77,147 | $78,707-2.0% | $117,861-34.5% | $70,126+10.0% |
| Participation rate | 48.1% | 73.2%-25.1pp | 79.7%-31.6pp | 69.5%-21.4pp |
| Annual return | 18.47% | 23.30%-4.8pp | 335.11%-316.6pp | 73.15%-54.7pp |
| Employer contribution / active EE | $1,102 | $2,223-50.4% | $3,786-70.9% | $2,343-53.0% |
| Participant deferral / active EE | $2,516 | $3,297-23.7% | $4,482-43.9% | $3,332-24.5% |
| Admin fee / account holder | $2,913 | $5,066-42.5% | $8,021-63.7% | $4,645-37.3% |