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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 | $75,542 | $67,595+11.8% | $186,193-59.4% | $64,340+17.4% |
| Participation rate | 27.2% | 51.9%-24.7pp | 77.1%-49.9pp | 55.2%-28.0pp |
| Annual return | 16.49% | 17.46%-1.0pp | 78.03%-61.5pp | 24.14%-7.7pp |
| Employer contribution / active EE | $720 | $1,513-52.4% | $3,918-81.6% | $1,862-61.4% |
| Participant deferral / active EE | $1,470 | $3,023-51.4% | $6,513-77.4% | $2,980-50.7% |
| Admin fee / account holder | $3,738 | $5,311-29.6% | $11,058-66.2% | $3,703+1.0% |