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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 | $118,480 | $117,846+0.5% | $102,434+15.7% | $145,884-18.8% |
| Participation rate | 33.3% | 78.6%-45.3pp | 76.5%-43.2pp | 80.3%-47.0pp |
| Annual return | 15.62% | 31.90%-16.3pp | 29.46%-13.8pp | 551.85%-536.2pp |
| Employer contribution / active EE | $1,776 | $3,615-50.9% | $3,023-41.3% | $4,662-61.9% |
| Participant deferral / active EE | $5,572 | $5,733-2.8% | $5,055+10.2% | $6,690-16.7% |
| Admin fee / account holder | $3,100 | $13,356-76.8% | $9,462-67.2% | $13,392-76.9% |