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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 | $106,524-33.5% | $152,301-53.5% | $87,485-19.0% |
| Participation rate | 36.3% | 75.8%-39.5pp | 82.4%-46.2pp | 68.9%-32.7pp |
| Annual return | 28.89% | 26.89%+2.0pp | 80.50%-51.6pp | 26.06%+2.8pp |
| Employer contribution / active EE | $1,716 | $3,371-49.1% | $4,624-62.9% | $2,596-33.9% |
| Participant deferral / active EE | $5,238 | $6,525-19.7% | $8,004-34.6% | $4,274+22.6% |
| Admin fee / account holder | $16,356 | $8,287+97.4% | $14,398+13.6% | $7,775+110.4% |