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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 | $75,069 | $94,436-20.5% | $115,599-35.1% | $82,637-9.2% |
| Participation rate | 46.0% | 70.4%-24.4pp | 74.3%-28.2pp | 68.1%-22.0pp |
| Annual return | 13.15% | 18.37%-5.2pp | 111.10%-97.9pp | 53.51%-40.4pp |
| Employer contribution / active EE | $742 | $2,324-68.1% | $2,955-74.9% | $2,552-70.9% |
| Participant deferral / active EE | $3,086 | $3,955-22.0% | $4,889-36.9% | $4,126-25.2% |
| Admin fee / account holder | $10,430 | $10,328+1.0% | $12,841-18.8% | $7,339+42.1% |