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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 | $72,445 | $72,269+0.2% | $101,271-28.5% | $79,852-9.3% |
| Participation rate | 39.4% | 68.5%-29.0pp | 75.8%-36.4pp | 69.6%-30.2pp |
| Annual return | 14.09% | 22.29%-8.2pp | 46.48%-32.4pp | 31.72%-17.6pp |
| Employer contribution / active EE | $1,196 | $2,692-55.6% | $3,660-67.3% | $2,471-51.6% |
| Participant deferral / active EE | $2,260 | $3,282-31.1% | $4,371-48.3% | $3,740-39.6% |
| Admin fee / account holder | $538 | $4,401-87.8% | $5,948-91.0% | $5,306-89.9% |