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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 | $71,559 | $71,230+0.5% | $93,727-23.7% | $80,959-11.6% |
| Participation rate | 36.1% | 60.4%-24.3pp | 68.7%-32.6pp | 67.7%-31.6pp |
| Annual return | 21.12% | 11.26%+9.9pp | 133.83%-112.7pp | 35.67%-14.5pp |
| Employer contribution / active EE | $745 | $1,565-52.4% | $2,421-69.2% | $2,757-73.0% |
| Participant deferral / active EE | $3,585 | $4,037-11.2% | $4,417-18.8% | $4,300-16.6% |
| Admin fee / account holder | $3,003 | $6,961-56.9% | $8,292-63.8% | $6,925-56.6% |