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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 | $79,600 | $94,031-15.3% | $115,768-31.2% | $82,448-3.5% |
| Participation rate | 35.1% | 70.4%-35.3pp | 74.4%-39.3pp | 68.1%-32.9pp |
| Annual return | 12.39% | 20.61%-8.2pp | 100.46%-88.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,274 | $2,323-45.1% | $2,940-56.7% | $2,551-50.0% |
| Participant deferral / active EE | $2,325 | $3,972-41.5% | $4,917-52.7% | $4,139-43.8% |
| Admin fee / account holder | $20,024 | $10,249+95.4% | $12,439+61.0% | $7,234+176.8% |