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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 | $78,559 | $88,672-11.4% | $105,223-25.3% | $82,448-4.7% |
| Participation rate | 45.2% | 67.9%-22.8pp | 75.0%-29.9pp | 68.1%-22.9pp |
| Annual return | 15.74% | 30.86%-15.1pp | 180.65%-164.9pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,719 | $3,048-43.6% | $3,689-53.4% | $2,551-32.6% |
| Participant deferral / active EE | $2,563 | $4,036-36.5% | $5,072-49.5% | $4,139-38.1% |
| Admin fee / account holder | $5,707 | $7,146-20.1% | $8,859-35.6% | $7,234-21.1% |