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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 | $70,009 | $110,337-36.5% | $102,383-31.6% | $145,877-52.0% |
| Participation rate | 43.8% | 77.9%-34.2pp | 74.5%-30.8pp | 80.3%-36.6pp |
| Annual return | 12.95% | 24.83%-11.9pp | 24.94%-12.0pp | 551.28%-538.3pp |
| Employer contribution / active EE | $4,624 | $4,216+9.7% | $3,870+19.5% | $4,663-0.8% |
| Participant deferral / active EE | $4,990 | $5,621-11.2% | $5,060-1.4% | $6,691-25.4% |
| Admin fee / account holder | $28,451 | $9,750+191.8% | $8,391+239.1% | $13,402+112.3% |