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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 | $83,381 | $96,731-13.8% | $123,973-32.7% | $86,983-4.1% |
| Participation rate | 47.5% | 70.0%-22.5pp | 76.7%-29.2pp | 69.5%-22.0pp |
| Annual return | 16.45% | 17.33%-0.9pp | 388.13%-371.7pp | 25.83%-9.4pp |
| Employer contribution / active EE | $2,154 | $3,297-34.7% | $4,126-47.8% | $2,584-16.7% |
| Participant deferral / active EE | $4,457 | $4,152+7.4% | $5,247-15.0% | $4,194+6.3% |
| Admin fee / account holder | $10,923 | $8,722+25.2% | $11,799-7.4% | $7,856+39.0% |