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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 | $78,144 | $64,359+21.4% | $90,161-13.3% | $70,126+11.4% |
| Participation rate | 40.7% | 70.4%-29.7pp | 76.9%-36.2pp | 69.5%-28.8pp |
| Annual return | 18.67% | 28.13%-9.5pp | 34.89%-16.2pp | 73.15%-54.5pp |
| Employer contribution / active EE | $677 | $2,046-66.9% | $3,318-79.6% | $2,343-71.1% |
| Participant deferral / active EE | $4,698 | $4,389+7.0% | $5,287-11.1% | $3,332+41.0% |
| Admin fee / account holder | $1,185 | $3,945-70.0% | $5,943-80.1% | $4,645-74.5% |