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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 | $66,136 | $81,504-18.9% | $102,437-35.4% | $80,959-18.3% |
| Participation rate | 41.2% | 66.9%-25.7pp | 74.5%-33.3pp | 67.7%-26.5pp |
| Annual return | 11.10% | 25.60%-14.5pp | 24.95%-13.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,527 | $3,104-50.8% | $3,871-60.5% | $2,757-44.6% |
| Participant deferral / active EE | $3,123 | $3,871-19.3% | $5,060-38.3% | $4,300-27.4% |
| Admin fee / account holder | $17,944 | $6,719+167.0% | $8,388+113.9% | $6,925+159.1% |