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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 | $80,837 | $71,230+13.5% | $93,727-13.8% | $80,959-0.2% |
| Participation rate | 37.9% | 60.4%-22.5pp | 68.7%-30.8pp | 67.7%-29.7pp |
| Annual return | 12.86% | 11.26%+1.6pp | 133.83%-121.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,213 | $1,565-22.5% | $2,421-49.9% | $2,757-56.0% |
| Participant deferral / active EE | $2,532 | $4,037-37.3% | $4,417-42.7% | $4,300-41.1% |
| Admin fee / account holder | $1,486 | $6,961-78.7% | $8,292-82.1% | $6,925-78.5% |