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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 | $55,738 | $47,944+16.3% | $67,834-17.8% | $62,881-11.4% |
| Participation rate | 55.8% | 61.1%-5.3pp | 68.8%-13.0pp | 69.3%-13.5pp |
| Annual return | 5.11% | 11.77%-6.7pp | 138.47%-133.4pp | 20.14%-15.0pp |
| Employer contribution / active EE | $350 | $1,562-77.6% | $2,403-85.4% | $2,281-84.7% |
| Participant deferral / active EE | $3,723 | $2,247+65.7% | $3,160+17.8% | $3,203+16.2% |
| Admin fee / account holder | $11,527 | $3,712+210.5% | $4,622+149.4% | $4,296+168.3% |