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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 | $70,068 | $90,486-22.6% | $78,676-10.9% | $273,972-74.4% |
| Participation rate | 62.5% | 76.5%-14.0pp | 73.6%-11.1pp | 83.0%-20.5pp |
| Annual return | 4.35% | 75.62%-71.3pp | 62.19%-57.8pp | 41.46%-37.1pp |
| Employer contribution / active EE | $1,772 | $3,175-44.2% | $2,850-37.8% | $4,869-63.6% |
| Participant deferral / active EE | $4,978 | $3,901+27.6% | $3,517+41.6% | $5,287-5.8% |
| Admin fee / account holder | $30,642 | $5,263+482.2% | $4,510+579.4% | $10,133+202.4% |