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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 | $69,453 | $91,474-24.1% | $135,982-48.9% | $71,529-2.9% |
| Participation rate | 42.9% | 75.7%-32.7pp | 81.9%-39.0pp | 67.9%-25.0pp |
| Annual return | 26.36% | 29.89%-3.5pp | 68.32%-42.0pp | 28.97%-2.6pp |
| Employer contribution / active EE | $1,734 | $3,705-53.2% | $4,859-64.3% | $2,590-33.0% |
| Participant deferral / active EE | $5,084 | $7,095-28.3% | $7,760-34.5% | $4,291+18.5% |
| Admin fee / account holder | $3,105 | $1,267+145.0% | $10,767-71.2% | $1,588+95.4% |