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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 | $70,476 | $51,092+37.9% | $76,735-8.2% | $79,634-11.5% |
| Participation rate | 34.5% | 50.2%-15.7pp | 69.5%-35.0pp | 62.5%-28.0pp |
| Annual return | 16.41% | 18.04%-1.6pp | 29.77%-13.4pp | 36.46%-20.1pp |
| Employer contribution / active EE | $1,377 | $1,519-9.4% | $2,454-43.9% | $2,529-45.6% |
| Participant deferral / active EE | $1,733 | $2,529-31.5% | $4,088-57.6% | $3,835-54.8% |
| Admin fee / account holder | $13,069 | $1,865+600.7% | $7,189+81.8% | $1,002+1204.4% |