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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 | $75,351 | $87,166-13.6% | $76,735-1.8% | $137,256-45.1% |
| Participation rate | 30.0% | 74.4%-44.4pp | 69.5%-39.5pp | 80.0%-50.0pp |
| Annual return | 13.24% | 26.50%-13.3pp | 29.77%-16.5pp | 220.34%-207.1pp |
| Employer contribution / active EE | $1,327 | $2,904-54.3% | $2,454-45.9% | $4,156-68.1% |
| Participant deferral / active EE | $4,229 | $4,726-10.5% | $4,088+3.5% | $6,407-34.0% |
| Admin fee / account holder | $25,045 | $8,403+198.0% | $7,189+248.4% | $12,270+104.1% |