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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 | $71,441 | $35,183+103.1% | $73,550-2.9% | $70,126+1.9% |
| Participation rate | 34.2% | 42.9%-8.7pp | 54.9%-20.7pp | 69.5%-35.3pp |
| Annual return | 19.25% | 26.90%-7.7pp | -15.16%+34.4pp | 73.15%-53.9pp |
| Employer contribution / active EE | $849 | $709+19.8% | $1,219-30.4% | $2,343-63.8% |
| Participant deferral / active EE | $2,343 | $1,220+92.1% | $1,804+29.9% | $3,332-29.7% |
| Admin fee / account holder | $443 | $2,302-80.8% | $2,320-80.9% | $4,645-90.5% |