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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 | $72,167 | $167,415-56.9% | $140,514-48.6% | $198,609-63.7% |
| Participation rate | 57.1% | 80.9%-23.7pp | 77.8%-20.7pp | 82.4%-25.2pp |
| Annual return | 18.85% | 13.85%+5.0pp | 14.36%+4.5pp | 202.70%-183.8pp |
| Employer contribution / active EE | $2,321 | $4,088-43.2% | $3,378-31.3% | $5,055-54.1% |
| Participant deferral / active EE | $6,829 | $5,579+22.4% | $4,919+38.8% | $6,977-2.1% |
| Admin fee / account holder | $9,147 | $16,730-45.3% | $13,697-33.2% | $19,030-51.9% |