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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 | $69,620 | $73,955-5.9% | $96,520-27.9% | $75,181-7.4% |
| Participation rate | 36.4% | 66.4%-30.1pp | 74.3%-38.0pp | 67.2%-30.8pp |
| Annual return | 15.09% | 26.72%-11.6pp | 35.72%-20.6pp | 160.69%-145.6pp |
| Employer contribution / active EE | $1,264 | $2,930-56.9% | $3,739-66.2% | $2,671-52.7% |
| Participant deferral / active EE | $1,929 | $3,659-47.3% | $4,879-60.5% | $4,126-53.3% |
| Admin fee / account holder | $12,112 | $5,217+132.2% | $6,733+79.9% | $5,650+114.4% |