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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 | $72,480 | $56,423+28.5% | $77,183-6.1% | $71,495+1.4% |
| Participation rate | 20.9% | 64.3%-43.4pp | 69.6%-48.7pp | 67.9%-47.0pp |
| Annual return | 17.10% | 19.05%-1.9pp | 37.89%-20.8pp | 28.85%-11.8pp |
| Employer contribution / active EE | $733 | $1,866-60.7% | $2,534-71.1% | $2,589-71.7% |
| Participant deferral / active EE | $1,823 | $3,142-42.0% | $3,833-52.4% | $4,291-57.5% |
| Admin fee / account holder | $8,030 | $1,429+462.0% | $5,475+46.7% | $1,588+405.8% |