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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 | $58,720 | $71,230-17.6% | $93,727-37.3% | $80,959-27.5% |
| Participation rate | 57.6% | 60.4%-2.8pp | 68.7%-11.1pp | 67.7%-10.1pp |
| Annual return | 11.38% | 11.26%+0.1pp | 133.83%-122.5pp | 35.67%-24.3pp |
| Employer contribution / active EE | $823 | $1,565-47.4% | $2,421-66.0% | $2,757-70.2% |
| Participant deferral / active EE | $2,860 | $4,037-29.2% | $4,417-35.2% | $4,300-33.5% |
| Admin fee / account holder | $27,355 | $6,961+293.0% | $8,292+229.9% | $6,925+295.0% |