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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 | $70,114 | $80,748-13.2% | $102,383-31.5% | $74,429-5.8% |
| Participation rate | 34.2% | 65.7%-31.5pp | 74.5%-40.3pp | 67.2%-33.0pp |
| Annual return | 12.97% | 27.57%-14.6pp | 24.94%-12.0pp | 1368.38%-1355.4pp |
| Employer contribution / active EE | $1,175 | $3,159-62.8% | $3,870-69.6% | $2,625-55.2% |
| Participant deferral / active EE | $2,521 | $3,861-34.7% | $5,060-50.2% | $4,348-42.0% |
| Admin fee / account holder | $3,127 | $2,371+31.9% | $8,391-62.7% | $1,944+60.8% |