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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 | $96,696 | $117,904-18.0% | $102,457-5.6% | $145,978-33.8% |
| Participation rate | 47.4% | 78.6%-31.2pp | 76.5%-29.1pp | 80.3%-32.9pp |
| Annual return | 14.95% | 31.80%-16.8pp | 29.41%-14.5pp | 550.52%-535.6pp |
| Employer contribution / active EE | $1,056 | $3,613-70.8% | $3,022-65.0% | $4,662-77.3% |
| Participant deferral / active EE | $4,702 | $5,733-18.0% | $5,054-7.0% | $6,690-29.7% |
| Admin fee / account holder | $922 | $13,329-93.1% | $9,451-90.2% | $13,400-93.1% |