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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 | $60,705 | $111,814-45.7% | $103,378-41.3% | $145,978-58.4% |
| Participation rate | 43.5% | 77.9%-34.5pp | 74.5%-31.0pp | 80.3%-36.8pp |
| Annual return | 14.78% | 24.80%-10.0pp | 24.91%-10.1pp | 550.52%-535.7pp |
| Employer contribution / active EE | $1,780 | $4,215-57.8% | $3,870-54.0% | $4,662-61.8% |
| Participant deferral / active EE | $3,983 | $5,618-29.1% | $5,058-21.2% | $6,690-40.5% |
| Admin fee / account holder | $29,558 | $9,764+202.7% | $8,401+251.8% | $13,400+120.6% |