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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 | $65,215 | $101,795-35.9% | $165,100-60.5% | $80,959-19.4% |
| Participation rate | 31.7% | 71.8%-40.1pp | 78.6%-46.9pp | 67.7%-36.0pp |
| Annual return | 11.72% | 16.73%-5.0pp | 70.21%-58.5pp | 35.67%-23.9pp |
| Employer contribution / active EE | $1,820 | $2,954-38.4% | $4,348-58.1% | $2,757-34.0% |
| Participant deferral / active EE | $2,671 | $4,476-40.3% | $6,035-55.7% | $4,300-37.9% |
| Admin fee / account holder | $2,428 | $8,221-70.5% | $12,696-80.9% | $6,925-64.9% |