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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 | $78,729 | $106,749-26.2% | $145,433-45.9% | $82,448-4.5% |
| Participation rate | 57.8% | 75.6%-17.9pp | 82.1%-24.3pp | 68.1%-10.3pp |
| Annual return | 17.44% | 27.59%-10.1pp | 66.58%-49.1pp | 41.64%-24.2pp |
| Employer contribution / active EE | $807 | $3,444-76.6% | $4,554-82.3% | $2,551-68.4% |
| Participant deferral / active EE | $5,168 | $6,519-20.7% | $7,897-34.6% | $4,139+24.8% |
| Admin fee / account holder | $21,414 | $8,390+155.2% | $13,129+63.1% | $7,234+196.0% |