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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 | $72,286 | $89,364-19.1% | $141,177-48.8% | $72,983-1.0% |
| Participation rate | 46.8% | 75.1%-28.3pp | 82.5%-35.7pp | 69.5%-22.7pp |
| Annual return | 28.88% | 111.86%-83.0pp | 71.40%-42.5pp | 81.01%-52.1pp |
| Employer contribution / active EE | $1,522 | $3,115-51.1% | $4,736-67.9% | $2,440-37.6% |
| Participant deferral / active EE | $2,722 | $5,419-49.8% | $6,710-59.4% | $3,608-24.6% |
| Admin fee / account holder | $2,334 | $5,959-60.8% | $10,263-77.3% | $5,124-54.4% |