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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 | $101,950-26.4% | $125,529-40.2% | $86,983-13.7% |
| Participation rate | 46.0% | 70.2%-24.1pp | 74.7%-28.7pp | 69.5%-23.5pp |
| Annual return | 13.15% | 18.29%-5.1pp | 202.56%-189.4pp | 25.83%-12.7pp |
| Employer contribution / active EE | $742 | $2,358-68.6% | $3,058-75.7% | $2,584-71.3% |
| Participant deferral / active EE | $3,086 | $3,862-20.1% | $4,813-35.9% | $4,194-26.4% |
| Admin fee / account holder | $10,430 | $12,791-18.5% | $16,298-36.0% | $7,856+32.8% |