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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 | $71,742 | $94,699-24.2% | $185,441-61.3% | $65,306+9.9% |
| Participation rate | 39.7% | 64.2%-24.5pp | 80.3%-40.5pp | 57.7%-17.9pp |
| Annual return | 16.07% | 16.71%-0.6pp | 20.16%-4.1pp | 21.94%-5.9pp |
| Employer contribution / active EE | $1,501 | $2,381-37.0% | $4,672-67.9% | $1,967-23.7% |
| Participant deferral / active EE | $2,718 | $3,568-23.8% | $6,152-55.8% | $2,959-8.1% |
| Admin fee / account holder | $8,260 | $4,797+72.2% | $17,890-53.8% | $3,480+137.4% |