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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 | $69,248 | $88,672-21.9% | $105,223-34.2% | $82,448-16.0% |
| Participation rate | 56.3% | 67.9%-11.7pp | 75.0%-18.8pp | 68.1%-11.8pp |
| Annual return | 14.57% | 30.86%-16.3pp | 180.65%-166.1pp | 41.64%-27.1pp |
| Employer contribution / active EE | $1,235 | $3,048-59.5% | $3,689-66.5% | $2,551-51.6% |
| Participant deferral / active EE | $3,075 | $4,036-23.8% | $5,072-39.4% | $4,139-25.7% |
| Admin fee / account holder | $4,540 | $7,146-36.5% | $8,859-48.8% | $7,234-37.2% |