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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 | $68,769 | $46,877+46.7% | $122,354-43.8% | $70,126-1.9% |
| Participation rate | 31.9% | 58.2%-26.3pp | 71.6%-39.7pp | 69.5%-37.6pp |
| Annual return | 14.97% | 24.22%-9.2pp | 30.28%-15.3pp | 73.15%-58.2pp |
| Employer contribution / active EE | $675 | $1,288-47.6% | $4,051-83.3% | $2,343-71.2% |
| Participant deferral / active EE | $1,138 | $2,167-47.5% | $3,287-65.4% | $3,332-65.8% |
| Admin fee / account holder | $11,593 | $3,324+248.8% | $5,479+111.6% | $4,645+149.6% |