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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 | $71,368 | $83,369-14.4% | $105,223-32.2% | $67,986+5.0% |
| Participation rate | 40.1% | 56.3%-16.2pp | 75.0%-34.9pp | 57.2%-17.1pp |
| Annual return | 17.47% | 24.64%-7.2pp | 180.65%-163.2pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,338 | $2,541-47.3% | $3,689-63.7% | $2,019-33.7% |
| Participant deferral / active EE | $2,504 | $3,295-24.0% | $5,072-50.6% | $3,358-25.4% |
| Admin fee / account holder | $2,749 | $4,073-32.5% | $8,859-69.0% | $3,203-14.2% |