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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 | $71,057-17.4% | $93,654-37.3% | $80,874-27.4% |
| Participation rate | 57.6% | 60.4%-2.8pp | 68.7%-11.1pp | 67.6%-10.1pp |
| Annual return | 11.38% | 11.26%+0.1pp | 133.34%-122.0pp | 35.62%-24.2pp |
| Employer contribution / active EE | $823 | $1,564-47.4% | $2,421-66.0% | $2,756-70.1% |
| Participant deferral / active EE | $2,860 | $4,034-29.1% | $4,413-35.2% | $4,297-33.4% |
| Admin fee / account holder | $27,355 | $6,944+293.9% | $8,282+230.3% | $6,935+294.4% |