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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 | $75,199 | $89,259-15.8% | $107,187-29.8% | $82,637-9.0% |
| Participation rate | 44.8% | 67.9%-23.1pp | 75.0%-30.2pp | 68.1%-23.2pp |
| Annual return | 17.46% | 21.02%-3.6pp | 204.55%-187.1pp | 53.51%-36.0pp |
| Employer contribution / active EE | $1,601 | $3,080-48.0% | $3,782-57.7% | $2,552-37.3% |
| Participant deferral / active EE | $3,450 | $4,037-14.6% | $5,096-32.3% | $4,126-16.4% |
| Admin fee / account holder | $1,965 | $7,381-73.4% | $9,162-78.6% | $7,339-73.2% |