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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 | $72,591 | $88,672-18.1% | $105,223-31.0% | $82,448-12.0% |
| Participation rate | 40.6% | 67.9%-27.3pp | 75.0%-34.4pp | 68.1%-27.4pp |
| Annual return | 16.33% | 30.86%-14.5pp | 180.65%-164.3pp | 41.64%-25.3pp |
| Employer contribution / active EE | $2,205 | $3,048-27.7% | $3,689-40.2% | $2,551-13.6% |
| Participant deferral / active EE | $3,969 | $4,036-1.7% | $5,072-21.7% | $4,139-4.1% |
| Admin fee / account holder | $25,178 | $7,146+252.3% | $8,859+184.2% | $7,234+248.0% |