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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 | $60,133 | $75,541-20.4% | $152,093-60.5% | $82,637-27.2% |
| Participation rate | 42.9% | 66.5%-23.7pp | 77.8%-34.9pp | 68.1%-25.2pp |
| Annual return | 13.69% | 32.56%-18.9pp | 66.36%-52.7pp | 53.51%-39.8pp |
| Employer contribution / active EE | $1,391 | $2,622-47.0% | $4,175-66.7% | $2,552-45.5% |
| Participant deferral / active EE | $1,728 | $3,206-46.1% | $5,451-68.3% | $4,126-58.1% |
| Admin fee / account holder | $23,302 | $6,405+263.8% | $14,497+60.7% | $7,339+217.5% |