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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 | $85,515 | $83,369+2.6% | $105,223-18.7% | $67,986+25.8% |
| Participation rate | 31.9% | 56.3%-24.4pp | 75.0%-43.2pp | 57.2%-25.3pp |
| Annual return | 19.14% | 24.64%-5.5pp | 180.65%-161.5pp | 31.67%-12.5pp |
| Employer contribution / active EE | $1,277 | $2,541-49.7% | $3,689-65.4% | $2,019-36.7% |
| Participant deferral / active EE | $2,286 | $3,295-30.6% | $5,072-54.9% | $3,358-31.9% |
| Admin fee / account holder | $4,518 | $4,073+10.9% | $8,859-49.0% | $3,203+41.0% |