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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 | $111,818 | $89,259+25.3% | $107,187+4.3% | $82,637+35.3% |
| Participation rate | 31.8% | 67.9%-36.1pp | 75.0%-43.2pp | 68.1%-36.2pp |
| Annual return | 20.40% | 21.02%-0.6pp | 204.55%-184.1pp | 53.51%-33.1pp |
| Employer contribution / active EE | $1,973 | $3,080-35.9% | $3,782-47.8% | $2,552-22.7% |
| Participant deferral / active EE | $2,299 | $4,037-43.1% | $5,096-54.9% | $4,126-44.3% |
| Admin fee / account holder | $525 | $7,381-92.9% | $9,162-94.3% | $7,339-92.9% |