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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 | $79,224 | $80,748-1.9% | $102,383-22.6% | $74,429+6.4% |
| Participation rate | 36.6% | 65.7%-29.0pp | 74.5%-37.9pp | 67.2%-30.6pp |
| Annual return | 17.13% | 27.57%-10.4pp | 24.94%-7.8pp | 1368.38%-1351.3pp |
| Employer contribution / active EE | $1,127 | $3,159-64.3% | $3,870-70.9% | $2,625-57.1% |
| Participant deferral / active EE | $2,116 | $3,861-45.2% | $5,060-58.2% | $4,348-51.3% |
| Admin fee / account holder | $10,507 | $2,371+343.2% | $8,391+25.2% | $1,944+440.4% |