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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 | $80,731-15.9% | $103,378-34.3% | $74,400-8.7% |
| Participation rate | 42.9% | 65.7%-22.8pp | 74.5%-31.6pp | 67.2%-24.3pp |
| Annual return | 13.61% | 27.56%-14.0pp | 24.91%-11.3pp | 1367.51%-1353.9pp |
| Employer contribution / active EE | $1,422 | $3,159-55.0% | $3,870-63.3% | $2,624-45.8% |
| Participant deferral / active EE | $2,702 | $3,862-30.0% | $5,058-46.6% | $4,348-37.9% |
| Admin fee / account holder | $7,113 | $2,369+200.2% | $8,401-15.3% | $1,944+266.0% |