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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 | $100,325 | $108,882-7.9% | $96,754+3.7% | $154,746-35.2% |
| Participation rate | 29.4% | 75.1%-45.7pp | 70.3%-40.9pp | 80.7%-51.3pp |
| Annual return | 15.64% | 98.39%-82.7pp | 82.04%-66.4pp | 172.34%-156.7pp |
| Employer contribution / active EE | $1,096 | $3,018-63.7% | $2,679-59.1% | $4,379-75.0% |
| Participant deferral / active EE | $4,490 | $5,323-15.6% | $4,758-5.6% | $6,730-33.3% |
| Admin fee / account holder | $36,681 | $10,200+259.6% | $8,905+311.9% | $14,365+155.3% |