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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 | $95,254 | $110,278-13.6% | $95,740-0.5% | $139,466-31.7% |
| Participation rate | 42.9% | 75.7%-32.9pp | 72.3%-29.4pp | 80.3%-37.5pp |
| Annual return | 15.85% | 27.19%-11.3pp | 28.41%-12.6pp | 373.66%-357.8pp |
| Employer contribution / active EE | $1,034 | $3,260-68.3% | $2,836-63.5% | $4,754-78.3% |
| Participant deferral / active EE | $4,536 | $4,674-3.0% | $4,244+6.9% | $6,712-32.4% |
| Admin fee / account holder | $1,536 | $6,613-76.8% | $5,676-72.9% | $11,409-86.5% |