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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 | $77,200 | $86,298-10.5% | $111,308-30.6% | $85,847-10.1% |
| Participation rate | 45.2% | 73.3%-28.2pp | 77.3%-32.2pp | 69.3%-24.2pp |
| Annual return | 12.23% | 19.99%-7.8pp | 54.67%-42.4pp | 318.61%-306.4pp |
| Employer contribution / active EE | $1,295 | $2,044-36.6% | $2,732-52.6% | $2,565-49.5% |
| Participant deferral / active EE | $3,836 | $3,641+5.4% | $4,487-14.5% | $3,952-2.9% |
| Admin fee / account holder | $2,785 | $8,189-66.0% | $7,965-65.0% | $6,261-55.5% |