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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 | $68,071 | $81,476-16.5% | $102,383-33.5% | $80,925-15.9% |
| Participation rate | 53.5% | 66.8%-13.4pp | 74.5%-21.0pp | 67.7%-14.2pp |
| Annual return | 11.20% | 25.59%-14.4pp | 24.94%-13.7pp | 35.65%-24.5pp |
| Employer contribution / active EE | $2,221 | $3,105-28.5% | $3,870-42.6% | $2,756-19.4% |
| Participant deferral / active EE | $4,748 | $3,871+22.7% | $5,060-6.1% | $4,299+10.5% |
| Admin fee / account holder | $24,092 | $6,717+258.6% | $8,391+187.1% | $6,940+247.1% |