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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 | $61,434 | $67,602-9.1% | $82,312-25.4% | $70,126-12.4% |
| Participation rate | 67.3% | 72.8%-5.5pp | 76.9%-9.6pp | 69.5%-2.2pp |
| Annual return | 13.33% | 21.57%-8.2pp | 25.88%-12.6pp | 73.15%-59.8pp |
| Employer contribution / active EE | $377 | $1,755-78.5% | $2,428-84.5% | $2,343-83.9% |
| Participant deferral / active EE | $2,315 | $2,987-22.5% | $3,706-37.5% | $3,332-30.5% |
| Admin fee / account holder | $10,591 | $4,512+134.7% | $5,608+88.9% | $4,645+128.0% |