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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 | $100,136 | $112,729-11.2% | $98,716+1.4% | $137,256-27.0% |
| Participation rate | 47.1% | 74.2%-27.2pp | 69.3%-22.2pp | 80.0%-32.9pp |
| Annual return | 15.61% | 38.48%-22.9pp | 31.81%-16.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,701 | $2,725-37.6% | $2,279-25.3% | $4,156-59.1% |
| Participant deferral / active EE | $5,226 | $4,640+12.6% | $4,048+29.1% | $6,407-18.4% |
| Admin fee / account holder | $5,499 | $10,129-45.7% | $8,703-36.8% | $12,270-55.2% |