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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 | $84,413 | $91,198-7.4% | $178,503-52.7% | $79,856+5.7% |
| Participation rate | 40.5% | 69.2%-28.7pp | 81.9%-41.4pp | 69.6%-29.1pp |
| Annual return | 27.21% | 24.20%+3.0pp | 151.12%-123.9pp | 31.71%-4.5pp |
| Employer contribution / active EE | $926 | $3,257-71.6% | $5,011-81.5% | $2,471-62.5% |
| Participant deferral / active EE | $2,239 | $3,237-30.8% | $5,202-57.0% | $3,741-40.1% |
| Admin fee / account holder | $478 | $6,748-92.9% | $13,987-96.6% | $5,306-91.0% |