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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 | $64,745 | $89,370-27.6% | $141,197-54.1% | $72,976-11.3% |
| Participation rate | 53.2% | 75.1%-21.9pp | 82.5%-29.3pp | 69.5%-16.3pp |
| Annual return | 21.36% | 111.88%-90.5pp | 71.41%-50.0pp | 81.02%-59.7pp |
| Employer contribution / active EE | $804 | $3,115-74.2% | $4,736-83.0% | $2,440-67.0% |
| Participant deferral / active EE | $3,188 | $5,419-41.2% | $6,710-52.5% | $3,608-11.6% |
| Admin fee / account holder | $9,327 | $5,957+56.6% | $10,265-9.1% | $5,124+82.0% |