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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 | $76,107 | $111,535-31.8% | $105,223-27.7% | $137,256-44.6% |
| Participation rate | 40.0% | 78.1%-38.1pp | 75.0%-35.0pp | 80.0%-40.0pp |
| Annual return | 12.21% | 237.85%-225.6pp | 180.65%-168.4pp | 220.34%-208.1pp |
| Employer contribution / active EE | $2,054 | $3,939-47.9% | $3,689-44.3% | $4,156-50.6% |
| Participant deferral / active EE | $3,012 | $5,500-45.2% | $5,072-40.6% | $6,407-53.0% |
| Admin fee / account holder | $15,959 | $9,721+64.2% | $8,859+80.2% | $12,270+30.1% |