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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 | $75,415 | $106,749-29.4% | $145,433-48.1% | $82,448-8.5% |
| Participation rate | 41.9% | 75.6%-33.8pp | 82.1%-40.3pp | 68.1%-26.2pp |
| Annual return | 15.71% | 27.59%-11.9pp | 66.58%-50.9pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,538 | $3,444-26.3% | $4,554-44.3% | $2,551-0.5% |
| Participant deferral / active EE | $6,020 | $6,519-7.6% | $7,897-23.8% | $4,139+45.4% |
| Admin fee / account holder | $30,673 | $8,390+265.6% | $13,129+133.6% | $7,234+324.0% |