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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 | $74,155 | $104,098-28.8% | $140,514-47.2% | $94,015-21.1% |
| Participation rate | 39.3% | 73.7%-34.4pp | 77.8%-38.5pp | 70.8%-31.5pp |
| Annual return | 16.06% | 15.14%+0.9pp | 14.36%+1.7pp | 17.84%-1.8pp |
| Employer contribution / active EE | $1,270 | $2,388-46.8% | $3,378-62.4% | $2,790-54.5% |
| Participant deferral / active EE | $2,298 | $4,033-43.0% | $4,919-53.3% | $4,249-45.9% |
| Admin fee / account holder | $23,262 | $10,439+122.8% | $13,697+69.8% | $8,951+159.9% |