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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 | $90,462 | $154,193-41.3% | $130,045-30.4% | $139,466-35.1% |
| Participation rate | 56.3% | 82.0%-25.7pp | 78.5%-22.3pp | 80.3%-24.1pp |
| Annual return | 19.46% | 32.51%-13.1pp | -137.30%+156.8pp | 373.66%-354.2pp |
| Employer contribution / active EE | $1,907 | $5,292-64.0% | $4,321-55.9% | $4,754-59.9% |
| Participant deferral / active EE | $4,533 | $6,709-32.4% | $5,820-22.1% | $6,712-32.5% |
| Admin fee / account holder | $4,163 | $13,989-70.2% | $10,600-60.7% | $11,409-63.5% |