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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 | $101,798-3.8% | $165,071-40.7% | $80,935+21.0% |
| Participation rate | 44.4% | 71.8%-27.4pp | 78.6%-34.2pp | 67.7%-23.2pp |
| Annual return | 16.54% | 16.73%-0.2pp | 70.17%-53.6pp | 35.66%-19.1pp |
| Employer contribution / active EE | $1,649 | $2,954-44.2% | $4,347-62.1% | $2,757-40.2% |
| Participant deferral / active EE | $3,400 | $4,476-24.1% | $6,035-43.7% | $4,299-20.9% |
| Admin fee / account holder | $4,159 | $8,221-49.4% | $12,695-67.2% | $6,924-39.9% |