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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 | $63,178 | $81,446-22.4% | $103,374-38.9% | $80,874-21.9% |
| Participation rate | 35.3% | 66.9%-31.6pp | 74.5%-39.2pp | 67.6%-32.4pp |
| Annual return | 10.96% | 25.57%-14.6pp | 24.89%-13.9pp | 35.62%-24.7pp |
| Employer contribution / active EE | $915 | $3,107-70.5% | $3,869-76.3% | $2,756-66.8% |
| Participant deferral / active EE | $1,800 | $3,870-53.5% | $5,058-64.4% | $4,297-58.1% |
| Admin fee / account holder | $13,243 | $6,715+97.2% | $8,394+57.8% | $6,935+91.0% |