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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 | $88,516 | $77,901+13.6% | $149,717-40.9% | $75,181+17.7% |
| Participation rate | 39.1% | 65.6%-26.4pp | 78.8%-39.6pp | 67.2%-28.1pp |
| Annual return | 21.06% | 31.73%-10.7pp | 134.41%-113.3pp | 160.69%-139.6pp |
| Employer contribution / active EE | $1,370 | $3,137-56.3% | $4,820-71.6% | $2,671-48.7% |
| Participant deferral / active EE | $4,183 | $3,411+22.6% | $5,682-26.4% | $4,126+1.4% |
| Admin fee / account holder | $425 | $5,949-92.9% | $13,213-96.8% | $5,650-92.5% |