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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 | $96,527 | $78,690+22.7% | $161,489-40.2% | $87,485+10.3% |
| Participation rate | 46.2% | 67.5%-21.3pp | 78.7%-32.5pp | 68.9%-22.8pp |
| Annual return | 16.97% | 32.74%-15.8pp | 89.72%-72.8pp | 26.06%-9.1pp |
| Employer contribution / active EE | $639 | $2,588-75.3% | $4,268-85.0% | $2,596-75.4% |
| Participant deferral / active EE | $3,803 | $3,311+14.9% | $5,630-32.5% | $4,274-11.0% |
| Admin fee / account holder | $958 | $6,724-85.7% | $16,006-94.0% | $7,775-87.7% |