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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 | $68,826 | $106,749-35.5% | $145,433-52.7% | $82,448-16.5% |
| Participation rate | 36.4% | 75.6%-39.3pp | 82.1%-45.8pp | 68.1%-31.7pp |
| Annual return | 18.09% | 27.59%-9.5pp | 66.58%-48.5pp | 41.64%-23.6pp |
| Employer contribution / active EE | $1,853 | $3,444-46.2% | $4,554-59.3% | $2,551-27.4% |
| Participant deferral / active EE | $3,851 | $6,519-40.9% | $7,897-51.2% | $4,139-7.0% |
| Admin fee / account holder | $2,693 | $8,390-67.9% | $13,129-79.5% | $7,234-62.8% |