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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 | $70,874 | $106,749-33.6% | $145,433-51.3% | $82,448-14.0% |
| Participation rate | 36.3% | 75.6%-39.4pp | 82.1%-45.9pp | 68.1%-31.8pp |
| Annual return | 28.89% | 27.59%+1.3pp | 66.58%-37.7pp | 41.64%-12.7pp |
| Employer contribution / active EE | $1,716 | $3,444-50.2% | $4,554-62.3% | $2,551-32.7% |
| Participant deferral / active EE | $5,238 | $6,519-19.6% | $7,897-33.7% | $4,139+26.5% |
| Admin fee / account holder | $16,356 | $8,390+94.9% | $13,129+24.6% | $7,234+126.1% |