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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 | $66,140 | $80,332-17.7% | $107,187-38.3% | $64,097+3.2% |
| Participation rate | 31.1% | 54.4%-23.3pp | 75.0%-43.9pp | 55.2%-24.1pp |
| Annual return | 17.49% | 24.26%-6.8pp | 204.55%-187.1pp | 34.64%-17.1pp |
| Employer contribution / active EE | $1,080 | $2,501-56.8% | $3,782-71.5% | $1,891-42.9% |
| Participant deferral / active EE | $1,822 | $3,109-41.4% | $5,096-64.2% | $3,080-40.8% |
| Admin fee / account holder | $936 | $4,314-78.3% | $9,162-89.8% | $3,454-72.9% |