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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 | $102,195 | $102,429-0.2% | $147,096-30.5% | $80,925+26.3% |
| Participation rate | 43.8% | 75.9%-32.0pp | 82.2%-38.3pp | 67.7%-23.8pp |
| Annual return | 23.48% | 135.02%-111.5pp | 419.75%-396.3pp | 35.65%-12.2pp |
| Employer contribution / active EE | $1,143 | $3,716-69.2% | $4,936-76.9% | $2,756-58.5% |
| Participant deferral / active EE | $3,502 | $6,649-47.3% | $8,071-56.6% | $4,299-18.5% |
| Admin fee / account holder | $5,557 | $7,957-30.2% | $13,005-57.3% | $6,940-19.9% |