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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 | $95,595 | $110,240-13.3% | $96,544-1.0% | $139,487-31.5% |
| Participation rate | 40.0% | 78.1%-38.1pp | 76.0%-36.0pp | 80.3%-40.3pp |
| Annual return | 15.74% | 26.41%-10.7pp | 25.88%-10.1pp | 373.84%-358.1pp |
| Employer contribution / active EE | $1,486 | $3,622-59.0% | $2,966-49.9% | $4,755-68.7% |
| Participant deferral / active EE | $6,338 | $5,549+14.2% | $4,851+30.7% | $6,713-5.6% |
| Admin fee / account holder | $2,568 | $11,602-77.9% | $8,254-68.9% | $11,407-77.5% |