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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 | $67,277 | $93,345-27.9% | $119,126-43.5% | $87,485-23.1% |
| Participation rate | 60.8% | 68.7%-8.0pp | 75.8%-15.0pp | 68.9%-8.1pp |
| Annual return | 13.29% | 19.08%-5.8pp | 282.11%-268.8pp | 26.06%-12.8pp |
| Employer contribution / active EE | $1,893 | $3,172-40.3% | $4,034-53.1% | $2,596-27.1% |
| Participant deferral / active EE | $2,931 | $4,099-28.5% | $5,318-44.9% | $4,274-31.4% |
| Admin fee / account holder | $16,704 | $8,039+107.8% | $10,693+56.2% | $7,775+114.8% |