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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 | $86,064 | $79,449+8.3% | $189,597-54.6% | $85,851+0.2% |
| Participation rate | 40.9% | 66.0%-25.1pp | 78.4%-37.5pp | 69.3%-28.4pp |
| Annual return | 17.91% | 18.45%-0.5pp | 64.20%-46.3pp | 318.63%-300.7pp |
| Employer contribution / active EE | $1,287 | $2,081-38.1% | $4,412-70.8% | $2,565-49.8% |
| Participant deferral / active EE | $2,175 | $4,051-46.3% | $6,174-64.8% | $3,952-45.0% |
| Admin fee / account holder | $420 | $5,377-92.2% | $9,807-95.7% | $6,261-93.3% |