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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 | $110,818 | $117,444-5.6% | $99,479+11.4% | $152,909-27.5% |
| Participation rate | 21.1% | 77.5%-56.5pp | 73.8%-52.8pp | 82.5%-61.4pp |
| Annual return | 12.95% | 31.87%-18.9pp | 30.72%-17.8pp | 345.46%-332.5pp |
| Employer contribution / active EE | $1,003 | $3,014-66.7% | $2,540-60.5% | $4,764-78.9% |
| Participant deferral / active EE | $4,397 | $4,086+7.6% | $3,619+21.5% | $5,851-24.9% |
| Admin fee / account holder | $4,531 | $7,635-40.7% | $6,253-27.5% | $11,601-60.9% |