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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 | $99,779 | $93,345+6.9% | $119,126-16.2% | $87,485+14.1% |
| Participation rate | 49.3% | 68.7%-19.5pp | 75.8%-26.5pp | 68.9%-19.7pp |
| Annual return | 15.41% | 19.08%-3.7pp | 282.11%-266.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $1,933 | $3,172-39.0% | $4,034-52.1% | $2,596-25.5% |
| Participant deferral / active EE | $3,641 | $4,099-11.2% | $5,318-31.5% | $4,274-14.8% |
| Admin fee / account holder | $7,738 | $8,039-3.7% | $10,693-27.6% | $7,775-0.5% |