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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 | $23,140 | $81,276-71.5% | $155,574-85.1% | $80,925-71.4% |
| Participation rate | 32.1% | 66.2%-34.1pp | 78.2%-46.1pp | 67.7%-35.6pp |
| Annual return | 16.36% | 33.36%-17.0pp | 64.87%-48.5pp | 35.65%-19.3pp |
| Employer contribution / active EE | $3,690 | $3,103+18.9% | $4,676-21.1% | $2,756+33.9% |
| Participant deferral / active EE | $3,068 | $3,453-11.2% | $5,629-45.5% | $4,299-28.6% |
| Admin fee / account holder | $76,606 | $7,993+858.4% | $15,914+381.4% | $6,940+1003.8% |