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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 | $68,126 | $95,453-28.6% | $112,040-39.2% | $82,448-17.4% |
| Participation rate | 45.9% | 72.8%-26.8pp | 76.5%-30.5pp | 68.1%-22.1pp |
| Annual return | 14.23% | 23.92%-9.7pp | 24.52%-10.3pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,065 | $2,318-54.1% | $2,954-63.9% | $2,551-58.3% |
| Participant deferral / active EE | $2,459 | $4,224-41.8% | $5,098-51.8% | $4,139-40.6% |
| Admin fee / account holder | $10,098 | $9,013+12.0% | $12,098-16.5% | $7,234+39.6% |