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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 | $107,154 | $106,749+0.4% | $145,433-26.3% | $82,448+30.0% |
| Participation rate | 50.0% | 75.6%-25.6pp | 82.1%-32.1pp | 68.1%-18.1pp |
| Annual return | 14.71% | 27.59%-12.9pp | 66.58%-51.9pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,618 | $3,444-53.0% | $4,554-64.5% | $2,551-36.6% |
| Participant deferral / active EE | $4,441 | $6,519-31.9% | $7,897-43.8% | $4,139+7.3% |
| Admin fee / account holder | $9,517 | $8,390+13.4% | $13,129-27.5% | $7,234+31.6% |