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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 | $69,159 | $81,504-15.1% | $102,437-32.5% | $80,959-14.6% |
| Participation rate | 20.5% | 66.9%-46.4pp | 74.5%-54.1pp | 67.7%-47.2pp |
| Annual return | 13.29% | 25.60%-12.3pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $873 | $3,104-71.9% | $3,871-77.4% | $2,757-68.3% |
| Participant deferral / active EE | $2,517 | $3,871-35.0% | $5,060-50.3% | $4,300-41.5% |
| Admin fee / account holder | $35,846 | $6,719+433.5% | $8,388+327.3% | $6,925+417.6% |