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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 | $76,295 | $56,894+34.1% | $84,753-10.0% | $62,881+21.3% |
| Participation rate | 29.4% | 68.5%-39.1pp | 76.6%-47.2pp | 69.3%-39.9pp |
| Annual return | 37.10% | 6.30%+30.8pp | 22.78%+14.3pp | 20.14%+17.0pp |
| Employer contribution / active EE | $1,396 | $2,400-41.8% | $3,574-61.0% | $2,281-38.8% |
| Participant deferral / active EE | $2,639 | $2,709-2.6% | $3,712-28.9% | $3,203-17.6% |
| Admin fee / account holder | $26,889 | $3,581+650.9% | $5,333+404.2% | $4,296+525.9% |