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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 | $97,739 | $111,814-12.6% | $103,378-5.5% | $145,978-33.0% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 11.67% | 24.80%-13.1pp | 24.91%-13.2pp | 550.52%-538.8pp |
| Employer contribution / active EE | $3,805 | $4,215-9.7% | $3,870-1.7% | $4,662-18.4% |
| Participant deferral / active EE | $3,629 | $5,618-35.4% | $5,058-28.3% | $6,690-45.8% |
| Admin fee / account holder | $2,654 | $9,764-72.8% | $8,401-68.4% | $13,400-80.2% |