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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 | $64,699 | $47,448+36.4% | $94,993-31.9% | $62,293+3.9% |
| Participation rate | 50.0% | 66.5%-16.5pp | 73.9%-23.9pp | 69.5%-19.5pp |
| Annual return | 20.01% | 22.64%-2.6pp | 27.14%-7.1pp | 28.90%-8.9pp |
| Employer contribution / active EE | $367 | $1,300-71.8% | $2,603-85.9% | $2,042-82.0% |
| Participant deferral / active EE | $1,990 | $2,375-16.2% | $3,317-40.0% | $3,169-37.2% |
| Admin fee / account holder | $879 | $434+102.4% | $4,960-82.3% | $479+83.4% |