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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 | $61,089 | $86,938-29.7% | $102,423-40.4% | $80,925-24.5% |
| Participation rate | 37.5% | 72.4%-34.9pp | 76.5%-39.0pp | 67.7%-30.2pp |
| Annual return | 10.99% | 18.89%-7.9pp | 29.42%-18.4pp | 35.65%-24.7pp |
| Employer contribution / active EE | $943 | $2,369-60.2% | $3,023-68.8% | $2,756-65.8% |
| Participant deferral / active EE | $2,289 | $4,120-44.5% | $5,054-54.7% | $4,299-46.8% |
| Admin fee / account holder | $12,152 | $8,053+50.9% | $9,455+28.5% | $6,940+75.1% |