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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 | $78,845 | $101,795-22.5% | $165,100-52.2% | $80,959-2.6% |
| Participation rate | 26.1% | 71.8%-45.7pp | 78.6%-52.5pp | 67.7%-41.6pp |
| Annual return | 17.18% | 16.73%+0.4pp | 70.21%-53.0pp | 35.67%-18.5pp |
| Employer contribution / active EE | $1,126 | $2,954-61.9% | $4,348-74.1% | $2,757-59.2% |
| Participant deferral / active EE | $2,223 | $4,476-50.3% | $6,035-63.2% | $4,300-48.3% |
| Admin fee / account holder | $1,525 | $8,221-81.5% | $12,696-88.0% | $6,925-78.0% |