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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 | $106,864-26.3% | $147,318-46.6% | $82,637-4.7% |
| Participation rate | 57.8% | 75.5%-17.7pp | 82.1%-24.3pp | 68.1%-10.3pp |
| Annual return | 17.44% | 27.49%-10.0pp | 70.43%-53.0pp | 53.51%-36.1pp |
| Employer contribution / active EE | $807 | $3,417-76.4% | $4,593-82.4% | $2,552-68.4% |
| Participant deferral / active EE | $5,168 | $6,496-20.4% | $7,906-34.6% | $4,126+25.2% |
| Admin fee / account holder | $21,414 | $8,415+154.5% | $13,708+56.2% | $7,339+191.8% |