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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 | $97,933 | $101,752-3.8% | $164,928-40.6% | $80,911+21.0% |
| Participation rate | 44.4% | 71.8%-27.4pp | 78.6%-34.2pp | 67.6%-23.2pp |
| Annual return | 16.54% | 16.73%-0.2pp | 70.08%-53.5pp | 35.63%-19.1pp |
| Employer contribution / active EE | $1,649 | $2,953-44.2% | $4,343-62.0% | $2,756-40.2% |
| Participant deferral / active EE | $3,400 | $4,477-24.1% | $6,034-43.7% | $4,297-20.9% |
| Admin fee / account holder | $4,159 | $8,218-49.4% | $12,684-67.2% | $6,935-40.0% |