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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 | $91,042 | $80,674+12.9% | $119,126-23.6% | $64,340+41.5% |
| Participation rate | 40.4% | 55.2%-14.8pp | 75.8%-35.4pp | 55.2%-14.9pp |
| Annual return | 17.50% | 26.86%-9.4pp | 282.11%-264.6pp | 24.14%-6.6pp |
| Employer contribution / active EE | $1,543 | $2,564-39.8% | $4,034-61.8% | $1,862-17.1% |
| Participant deferral / active EE | $2,442 | $3,053-20.0% | $5,318-54.1% | $2,980-18.1% |
| Admin fee / account holder | $2,183 | $4,559-52.1% | $10,693-79.6% | $3,703-41.0% |