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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 | $78,179 | $76,407+2.3% | $150,298-48.0% | $82,448-5.2% |
| Participation rate | 44.1% | 66.4%-22.3pp | 77.8%-33.7pp | 68.1%-24.0pp |
| Annual return | 14.76% | 39.99%-25.2pp | 62.79%-48.0pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,146 | $2,614-56.1% | $4,154-72.4% | $2,551-55.1% |
| Participant deferral / active EE | $2,367 | $3,214-26.3% | $5,453-56.6% | $4,139-42.8% |
| Admin fee / account holder | $790 | $6,352-87.6% | $14,116-94.4% | $7,234-89.1% |