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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 | $74,555 | $76,407-2.4% | $150,298-50.4% | $82,448-9.6% |
| Participation rate | 40.0% | 66.4%-26.4pp | 77.8%-37.8pp | 68.1%-28.1pp |
| Annual return | 15.26% | 39.99%-24.7pp | 62.79%-47.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $862 | $2,614-67.0% | $4,154-79.3% | $2,551-66.2% |
| Participant deferral / active EE | $2,975 | $3,214-7.5% | $5,453-45.4% | $4,139-28.1% |
| Admin fee / account holder | $1,132 | $6,352-82.2% | $14,116-92.0% | $7,234-84.4% |