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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 | $64,745 | $72,027-10.1% | $185,861-65.2% | $79,856-18.9% |
| Participation rate | 43.1% | 65.8%-22.7pp | 78.0%-34.9pp | 69.6%-26.5pp |
| Annual return | 14.66% | 23.13%-8.5pp | 35.96%-21.3pp | 31.71%-17.1pp |
| Employer contribution / active EE | $473 | $1,965-75.9% | $4,088-88.4% | $2,471-80.9% |
| Participant deferral / active EE | $1,346 | $3,780-64.4% | $5,634-76.1% | $3,741-64.0% |
| Admin fee / account holder | $6,836 | $4,513+51.5% | $9,503-28.1% | $5,306+28.8% |