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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 | $70,970 | $78,428-9.5% | $95,960-26.0% | $79,852-11.1% |
| Participation rate | 40.0% | 73.5%-33.5pp | 77.1%-37.1pp | 69.6%-29.6pp |
| Annual return | 18.91% | 19.37%-0.5pp | 91.63%-72.7pp | 31.72%-12.8pp |
| Employer contribution / active EE | $1,235 | $1,945-36.5% | $2,541-51.4% | $2,471-50.0% |
| Participant deferral / active EE | $1,917 | $3,440-44.3% | $4,167-54.0% | $3,740-48.7% |
| Admin fee / account holder | $765 | $5,622-86.4% | $6,797-88.8% | $5,306-85.6% |