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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 | $64,189 | $84,940-24.4% | $111,306-42.3% | $79,389-19.1% |
| Participation rate | 64.4% | 75.9%-11.4pp | 77.3%-12.9pp | 70.7%-6.3pp |
| Annual return | 24.65% | 17.45%+7.2pp | 54.67%-30.0pp | 116.89%-92.2pp |
| Employer contribution / active EE | $1,051 | $1,979-46.9% | $2,732-61.5% | $2,428-56.7% |
| Participant deferral / active EE | $3,229 | $3,889-17.0% | $4,488-28.1% | $4,046-20.2% |
| Admin fee / account holder | $3,909 | $537+627.5% | $7,966-50.9% | $626+524.0% |