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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 | $57,384 | $65,364-12.2% | $92,909-38.2% | $72,975-21.4% |
| Participation rate | 34.8% | 68.3%-33.5pp | 76.0%-41.2pp | 69.5%-34.7pp |
| Annual return | 23.24% | 42.11%-18.9pp | 109.44%-86.2pp | 81.01%-57.8pp |
| Employer contribution / active EE | $1,335 | $2,594-48.6% | $3,653-63.5% | $2,440-45.3% |
| Participant deferral / active EE | $2,720 | $3,128-13.1% | $4,238-35.8% | $3,608-24.6% |
| Admin fee / account holder | $12,787 | $4,251+200.8% | $5,795+120.6% | $5,124+149.5% |