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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 | $75,588 | $101,778-25.7% | $164,975-54.2% | $80,925-6.6% |
| Participation rate | 45.9% | 71.8%-25.9pp | 78.6%-32.7pp | 67.7%-21.7pp |
| Annual return | 12.05% | 16.73%-4.7pp | 70.12%-58.1pp | 35.65%-23.6pp |
| Employer contribution / active EE | $1,162 | $2,954-60.7% | $4,343-73.2% | $2,756-57.8% |
| Participant deferral / active EE | $2,670 | $4,477-40.4% | $6,033-55.7% | $4,299-37.9% |
| Admin fee / account holder | $11,852 | $8,221+44.2% | $12,688-6.6% | $6,940+70.8% |