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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 | $67,497 | $78,690-14.2% | $161,489-58.2% | $87,485-22.8% |
| Participation rate | 36.1% | 67.5%-31.4pp | 78.7%-42.6pp | 68.9%-32.8pp |
| Annual return | 14.70% | 32.74%-18.0pp | 89.72%-75.0pp | 26.06%-11.4pp |
| Employer contribution / active EE | $1,019 | $2,588-60.6% | $4,268-76.1% | $2,596-60.8% |
| Participant deferral / active EE | $2,434 | $3,311-26.5% | $5,630-56.8% | $4,274-43.0% |
| Admin fee / account holder | $17,167 | $6,724+155.3% | $16,006+7.3% | $7,775+120.8% |