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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 | $76,407-11.7% | $150,298-55.1% | $82,448-18.1% |
| Participation rate | 36.1% | 66.4%-30.3pp | 77.8%-41.6pp | 68.1%-32.0pp |
| Annual return | 14.70% | 39.99%-25.3pp | 62.79%-48.1pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,019 | $2,614-61.0% | $4,154-75.5% | $2,551-60.1% |
| Participant deferral / active EE | $2,434 | $3,214-24.3% | $5,453-55.4% | $4,139-41.2% |
| Admin fee / account holder | $17,167 | $6,352+170.3% | $14,116+21.6% | $7,234+137.3% |