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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 | $70,627 | $81,476-13.3% | $102,383-31.0% | $80,925-12.7% |
| Participation rate | 55.1% | 66.8%-11.8pp | 74.5%-19.4pp | 67.7%-12.6pp |
| Annual return | 16.72% | 25.59%-8.9pp | 24.94%-8.2pp | 35.65%-18.9pp |
| Employer contribution / active EE | $882 | $3,105-71.6% | $3,870-77.2% | $2,756-68.0% |
| Participant deferral / active EE | $1,739 | $3,871-55.1% | $5,060-65.6% | $4,299-59.6% |
| Admin fee / account holder | $16,165 | $6,717+140.6% | $8,391+92.6% | $6,940+132.9% |