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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 | $76,317 | $76,834-0.7% | $108,359-29.6% | $87,485-12.8% |
| Participation rate | 45.5% | 61.7%-16.3pp | 70.1%-24.7pp | 68.9%-23.5pp |
| Annual return | 12.90% | 19.09%-6.2pp | 36.89%-24.0pp | 26.06%-13.2pp |
| Employer contribution / active EE | $763 | $1,556-51.0% | $2,399-68.2% | $2,596-70.6% |
| Participant deferral / active EE | $1,966 | $3,100-36.6% | $4,137-52.5% | $4,274-54.0% |
| Admin fee / account holder | $20,879 | $6,537+219.4% | $9,741+114.3% | $7,775+168.5% |