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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 | $97,497 | $156,616-37.7% | $133,346-26.9% | $198,609-50.9% |
| Participation rate | 55.6% | 77.7%-22.2pp | 72.8%-17.3pp | 82.4%-26.8pp |
| Annual return | 20.86% | 44.25%-23.4pp | 36.85%-16.0pp | 202.70%-181.8pp |
| Employer contribution / active EE | $1,778 | $3,368-47.2% | $2,853-37.7% | $5,055-64.8% |
| Participant deferral / active EE | $7,031 | $4,920+42.9% | $4,332+62.3% | $6,977+0.8% |
| Admin fee / account holder | $5,797 | $17,468-66.8% | $14,264-59.4% | $19,030-69.5% |