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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 | $69,740 | $72,269-3.5% | $101,271-31.1% | $79,852-12.7% |
| Participation rate | 42.9% | 68.5%-25.6pp | 75.8%-32.9pp | 69.6%-26.8pp |
| Annual return | 11.84% | 22.29%-10.4pp | 46.48%-34.6pp | 31.72%-19.9pp |
| Employer contribution / active EE | $1,052 | $2,692-60.9% | $3,660-71.3% | $2,471-57.4% |
| Participant deferral / active EE | $2,343 | $3,282-28.6% | $4,371-46.4% | $3,740-37.4% |
| Admin fee / account holder | $971 | $4,401-77.9% | $5,948-83.7% | $5,306-81.7% |