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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 | $69,155 | $101,618-31.9% | $93,063-25.7% | $137,256-49.6% |
| Participation rate | 18.2% | 74.9%-56.8pp | 72.1%-53.9pp | 80.0%-61.8pp |
| Annual return | 15.99% | 223.95%-208.0pp | 34.15%-18.2pp | 220.34%-204.4pp |
| Employer contribution / active EE | $726 | $2,707-73.2% | $2,476-70.7% | $4,156-82.5% |
| Participant deferral / active EE | $3,576 | $4,279-16.4% | $3,958-9.7% | $6,407-44.2% |
| Admin fee / account holder | $9,365 | $6,198+51.1% | $6,033+55.2% | $12,270-23.7% |