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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 | $59,759 | $93,345-36.0% | $119,126-49.8% | $87,485-31.7% |
| Participation rate | 38.3% | 68.7%-30.4pp | 75.8%-37.4pp | 68.9%-30.6pp |
| Annual return | 18.22% | 19.08%-0.9pp | 282.11%-263.9pp | 26.06%-7.8pp |
| Employer contribution / active EE | $1,088 | $3,172-65.7% | $4,034-73.0% | $2,596-58.1% |
| Participant deferral / active EE | $3,450 | $4,099-15.8% | $5,318-35.1% | $4,274-19.3% |
| Admin fee / account holder | $2,115 | $8,039-73.7% | $10,693-80.2% | $7,775-72.8% |