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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 | $72,098 | $58,234+23.8% | $81,783-11.8% | $80,874-10.9% |
| Participation rate | 38.2% | 63.4%-25.2pp | 72.4%-34.1pp | 67.6%-29.4pp |
| Annual return | 12.74% | 41.70%-29.0pp | 775.05%-762.3pp | 35.62%-22.9pp |
| Employer contribution / active EE | $927 | $2,341-60.4% | $2,913-68.2% | $2,756-66.4% |
| Participant deferral / active EE | $2,740 | $3,283-16.5% | $4,320-36.6% | $4,297-36.2% |
| Admin fee / account holder | $1,830 | $4,982-63.3% | $7,380-75.2% | $6,935-73.6% |