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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 | $62,773 | $81,208-22.7% | $98,920-36.5% | $79,856-21.4% |
| Participation rate | 60.5% | 72.5%-12.0pp | 76.0%-15.6pp | 69.6%-9.2pp |
| Annual return | 12.77% | 60.99%-48.2pp | 196.47%-183.7pp | 31.71%-18.9pp |
| Employer contribution / active EE | $757 | $1,960-61.4% | $2,689-71.9% | $2,471-69.4% |
| Participant deferral / active EE | $2,603 | $3,265-20.3% | $4,245-38.7% | $3,741-30.4% |
| Admin fee / account holder | $42,779 | $6,013+611.5% | $6,643+544.0% | $5,306+706.2% |