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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 | $80,332+6.5% | $107,187-20.2% | $64,097+33.4% |
| Participation rate | 31.9% | 54.4%-22.5pp | 75.0%-43.1pp | 55.2%-23.3pp |
| Annual return | 19.14% | 24.26%-5.1pp | 204.55%-185.4pp | 34.64%-15.5pp |
| Employer contribution / active EE | $1,277 | $2,501-48.9% | $3,782-66.2% | $1,891-32.5% |
| Participant deferral / active EE | $2,286 | $3,109-26.5% | $5,096-55.1% | $3,080-25.8% |
| Admin fee / account holder | $4,518 | $4,314+4.7% | $9,162-50.7% | $3,454+30.8% |