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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 | $69,919 | $57,140+22.4% | $85,240-18.0% | $80,959-13.6% |
| Participation rate | 36.4% | 56.4%-20.0pp | 67.5%-31.2pp | 67.7%-31.3pp |
| Annual return | 13.29% | 21.71%-8.4pp | 66.75%-53.5pp | 35.67%-22.4pp |
| Employer contribution / active EE | $622 | $1,802-65.5% | $2,735-77.3% | $2,757-77.4% |
| Participant deferral / active EE | $1,927 | $3,115-38.1% | $4,527-57.4% | $4,300-55.2% |
| Admin fee / account holder | $68,286 | $4,992+1268.0% | $6,165+1007.7% | $6,925+886.0% |