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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 | $67,891 | $80,781-16.0% | $102,437-33.7% | $74,478-8.8% |
| Participation rate | 42.9% | 65.7%-22.7pp | 74.5%-31.6pp | 67.2%-24.3pp |
| Annual return | 13.61% | 27.58%-14.0pp | 24.95%-11.3pp | 1370.56%-1357.0pp |
| Employer contribution / active EE | $1,422 | $3,160-55.0% | $3,871-63.3% | $2,626-45.9% |
| Participant deferral / active EE | $2,702 | $3,862-30.0% | $5,060-46.6% | $4,350-37.9% |
| Admin fee / account holder | $7,113 | $2,372+199.9% | $8,388-15.2% | $1,946+265.6% |