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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 | $96,748 | $101,778-4.9% | $164,975-41.4% | $80,925+19.6% |
| Participation rate | 51.0% | 71.8%-20.9pp | 78.6%-27.6pp | 67.7%-16.7pp |
| Annual return | 15.34% | 16.73%-1.4pp | 70.12%-54.8pp | 35.65%-20.3pp |
| Employer contribution / active EE | $1,533 | $2,954-48.1% | $4,343-64.7% | $2,756-44.4% |
| Participant deferral / active EE | $2,829 | $4,477-36.8% | $6,033-53.1% | $4,299-34.2% |
| Admin fee / account holder | $6,369 | $8,221-22.5% | $12,688-49.8% | $6,940-8.2% |