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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 | $65,700 | $48,053+36.7% | $84,637-22.4% | $72,976-10.0% |
| Participation rate | 52.0% | 57.6%-5.6pp | 68.2%-16.2pp | 69.5%-17.5pp |
| Annual return | 22.49% | 37.39%-14.9pp | 258.82%-236.3pp | 81.02%-58.5pp |
| Employer contribution / active EE | $1,474 | $1,602-8.0% | $2,653-44.4% | $2,440-39.6% |
| Participant deferral / active EE | $2,645 | $2,681-1.3% | $3,900-32.2% | $3,608-26.7% |
| Admin fee / account holder | $837 | $3,395-75.3% | $4,914-83.0% | $5,124-83.7% |