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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 | $75,217 | $91,198-17.5% | $178,503-57.9% | $79,856-5.8% |
| Participation rate | 55.9% | 69.2%-13.3pp | 81.9%-26.0pp | 69.6%-13.7pp |
| Annual return | 13.40% | 24.20%-10.8pp | 151.12%-137.7pp | 31.71%-18.3pp |
| Employer contribution / active EE | $1,349 | $3,257-58.6% | $5,011-73.1% | $2,471-45.4% |
| Participant deferral / active EE | $2,166 | $3,237-33.1% | $5,202-58.4% | $3,741-42.1% |
| Admin fee / account holder | $7,049 | $6,748+4.5% | $13,987-49.6% | $5,306+32.8% |