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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 | $97,539 | $183,627-46.9% | $155,602-37.3% | $145,978-33.2% |
| Participation rate | 45.5% | 82.7%-37.2pp | 78.2%-32.7pp | 80.3%-34.8pp |
| Annual return | 11.43% | 61.32%-49.9pp | 64.81%-53.4pp | 550.52%-539.1pp |
| Employer contribution / active EE | $1,066 | $5,316-80.0% | $4,675-77.2% | $4,662-77.1% |
| Participant deferral / active EE | $2,845 | $6,466-56.0% | $5,629-49.5% | $6,690-57.5% |
| Admin fee / account holder | $2,252 | $19,327-88.4% | $15,923-85.9% | $13,400-83.2% |