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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 | $38,063 | $95,453-60.1% | $112,040-66.0% | $82,448-53.8% |
| Participation rate | 59.6% | 72.8%-13.1pp | 76.5%-16.8pp | 68.1%-8.4pp |
| Annual return | 15.91% | 23.92%-8.0pp | 24.52%-8.6pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,769 | $2,318-23.7% | $2,954-40.1% | $2,551-30.6% |
| Participant deferral / active EE | $3,839 | $4,224-9.1% | $5,098-24.7% | $4,139-7.3% |
| Admin fee / account holder | $19,742 | $9,013+119.0% | $12,098+63.2% | $7,234+172.9% |