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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 | $87,356 | $106,280-17.8% | $96,538-9.5% | $139,487-37.4% |
| Participation rate | 27.3% | 77.8%-50.6pp | 74.3%-47.1pp | 80.3%-53.1pp |
| Annual return | 22.77% | 38.48%-15.7pp | 35.74%-13.0pp | 373.84%-351.1pp |
| Employer contribution / active EE | $1,642 | $4,107-60.0% | $3,740-56.1% | $4,755-65.5% |
| Participant deferral / active EE | $4,245 | $5,457-22.2% | $4,880-13.0% | $6,713-36.8% |
| Admin fee / account holder | $905 | $7,888-88.5% | $6,737-86.6% | $11,407-92.1% |