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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 | $64,540 | $81,334-20.6% | $113,397-43.1% | $64,097+0.7% |
| Participation rate | 49.6% | 65.6%-16.1pp | 76.5%-26.9pp | 55.2%-5.6pp |
| Annual return | 15.72% | 32.50%-16.8pp | 23.20%-7.5pp | 34.64%-18.9pp |
| Employer contribution / active EE | $656 | $2,077-68.4% | $2,977-78.0% | $1,891-65.3% |
| Participant deferral / active EE | $3,029 | $3,795-20.2% | $5,076-40.3% | $3,080-1.7% |
| Admin fee / account holder | $5,580 | $4,208+32.6% | $11,957-53.3% | $3,454+61.5% |