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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 | $69,023 | $71,197-3.1% | $93,669-26.3% | $80,925-14.7% |
| Participation rate | 43.9% | 60.4%-16.5pp | 68.7%-24.8pp | 67.7%-23.8pp |
| Annual return | 12.53% | 11.27%+1.3pp | 133.59%-121.1pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,228 | $1,565-21.5% | $2,424-49.3% | $2,756-55.4% |
| Participant deferral / active EE | $2,465 | $4,036-38.9% | $4,416-44.2% | $4,299-42.7% |
| Admin fee / account holder | $2,009 | $6,959-71.1% | $8,291-75.8% | $6,940-71.0% |