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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 | $97,928 | $115,225-15.0% | $100,712-2.8% | $138,895-29.5% |
| Participation rate | 36.4% | 74.3%-38.0pp | 69.3%-32.9pp | 79.9%-43.6pp |
| Annual return | 14.75% | 40.35%-25.6pp | 33.27%-18.5pp | 145.39%-130.6pp |
| Employer contribution / active EE | $1,159 | $2,771-58.2% | $2,313-49.9% | $4,194-72.4% |
| Participant deferral / active EE | $2,019 | $4,699-57.0% | $4,085-50.6% | $6,396-68.4% |
| Admin fee / account holder | $2,095 | $10,844-80.7% | $9,256-77.4% | $12,562-83.3% |