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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 | $88,672-15.2% | $105,223-28.5% | $82,448-8.8% |
| Participation rate | 44.8% | 67.9%-23.1pp | 75.0%-30.2pp | 68.1%-23.2pp |
| Annual return | 17.46% | 30.86%-13.4pp | 180.65%-163.2pp | 41.64%-24.2pp |
| Employer contribution / active EE | $1,601 | $3,048-47.5% | $3,689-56.6% | $2,551-37.2% |
| Participant deferral / active EE | $3,450 | $4,036-14.5% | $5,072-32.0% | $4,139-16.7% |
| Admin fee / account holder | $1,965 | $7,146-72.5% | $8,859-77.8% | $7,234-72.8% |