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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 | $89,227 | $112,729-20.8% | $98,716-9.6% | $137,256-35.0% |
| Participation rate | 53.8% | 74.2%-20.4pp | 69.3%-15.4pp | 80.0%-26.1pp |
| Annual return | 10.93% | 38.48%-27.6pp | 31.81%-20.9pp | 220.34%-209.4pp |
| Employer contribution / active EE | $976 | $2,725-64.2% | $2,279-57.2% | $4,156-76.5% |
| Participant deferral / active EE | $4,284 | $4,640-7.7% | $4,048+5.8% | $6,407-33.1% |
| Admin fee / account holder | $6,669 | $10,129-34.2% | $8,703-23.4% | $12,270-45.6% |