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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 | $77,148 | $91,198-15.4% | $178,503-56.8% | $79,856-3.4% |
| Participation rate | 60.7% | 69.2%-8.5pp | 81.9%-21.2pp | 69.6%-8.9pp |
| Annual return | 10.18% | 24.20%-14.0pp | 151.12%-140.9pp | 31.71%-21.5pp |
| Employer contribution / active EE | $950 | $3,257-70.8% | $5,011-81.1% | $2,471-61.6% |
| Participant deferral / active EE | $2,917 | $3,237-9.9% | $5,202-43.9% | $3,741-22.0% |
| Admin fee / account holder | $4,411 | $6,748-34.6% | $13,987-68.5% | $5,306-16.9% |