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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 | $57,995 | $93,598-38.0% | $135,974-57.3% | $75,173-22.9% |
| Participation rate | 45.8% | 75.2%-29.4pp | 81.9%-36.1pp | 67.2%-21.4pp |
| Annual return | 25.66% | 30.89%-5.2pp | 68.30%-42.6pp | 160.72%-135.1pp |
| Employer contribution / active EE | $880 | $3,538-75.1% | $4,859-81.9% | $2,671-67.1% |
| Participant deferral / active EE | $5,564 | $6,405-13.1% | $7,760-28.3% | $4,126+34.8% |
| Admin fee / account holder | $6,158 | $6,978-11.7% | $10,767-42.8% | $5,651+9.0% |