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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 | $58,302 | $81,334-28.3% | $113,397-48.6% | $64,097-9.0% |
| Participation rate | 26.9% | 65.6%-38.8pp | 76.5%-49.6pp | 55.2%-28.3pp |
| Annual return | 18.11% | 32.50%-14.4pp | 23.20%-5.1pp | 34.64%-16.5pp |
| Employer contribution / active EE | $1,664 | $2,077-19.9% | $2,977-44.1% | $1,891-12.0% |
| Participant deferral / active EE | $2,844 | $3,795-25.1% | $5,076-44.0% | $3,080-7.7% |
| Admin fee / account holder | $1,020 | $4,208-75.8% | $11,957-91.5% | $3,454-70.5% |