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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 | $70,272 | $78,027-9.9% | $178,528-60.6% | $80,925-13.2% |
| Participation rate | 50.0% | 65.7%-15.7pp | 77.1%-27.1pp | 67.7%-17.7pp |
| Annual return | 12.72% | 18.09%-5.4pp | 27.11%-14.4pp | 35.65%-22.9pp |
| Employer contribution / active EE | $2,044 | $2,281-10.4% | $3,950-48.2% | $2,756-25.8% |
| Participant deferral / active EE | $5,670 | $4,408+28.7% | $6,278-9.7% | $4,299+31.9% |
| Admin fee / account holder | $31,873 | $7,168+344.7% | $10,419+205.9% | $6,940+359.3% |