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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 | $71,263 | $52,580+35.5% | $71,671-0.6% | $70,131+1.6% |
| Participation rate | 28.4% | 60.9%-32.5pp | 68.7%-40.4pp | 69.5%-41.2pp |
| Annual return | 20.08% | 20.25%-0.2pp | 20.65%-0.6pp | 73.14%-53.1pp |
| Employer contribution / active EE | $480 | $1,616-70.3% | $2,460-80.5% | $2,342-79.5% |
| Participant deferral / active EE | $1,293 | $2,386-45.8% | $3,438-62.4% | $3,332-61.2% |
| Admin fee / account holder | $12,161 | $3,653+232.9% | $5,558+118.8% | $4,645+161.8% |