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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 | $71,556 | $58,523+22.3% | $99,475-28.1% | $72,975-1.9% |
| Participation rate | 48.4% | 64.6%-16.2pp | 73.8%-25.4pp | 69.5%-21.1pp |
| Annual return | 25.27% | 28.51%-3.2pp | 30.72%-5.5pp | 81.01%-55.7pp |
| Employer contribution / active EE | $756 | $1,512-50.0% | $2,540-70.2% | $2,440-69.0% |
| Participant deferral / active EE | $2,311 | $2,606-11.3% | $3,619-36.1% | $3,608-36.0% |
| Admin fee / account holder | $10,945 | $4,102+166.8% | $6,252+75.0% | $5,124+113.6% |