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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 | $97,550-24.0% | $120,344-38.4% | $87,485-15.2% |
| Participation rate | 39.3% | 72.8%-33.5pp | 76.7%-37.4pp | 68.9%-29.6pp |
| Annual return | 16.06% | 18.41%-2.4pp | 20.30%-4.2pp | 26.06%-10.0pp |
| Employer contribution / active EE | $1,270 | $2,291-44.5% | $3,020-57.9% | $2,596-51.1% |
| Participant deferral / active EE | $2,298 | $4,230-45.7% | $5,135-55.2% | $4,274-46.2% |
| Admin fee / account holder | $23,262 | $9,543+143.8% | $12,742+82.6% | $7,775+199.2% |