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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 | $63,105 | $77,788-18.9% | $119,126-47.0% | $64,728-2.5% |
| Participation rate | 27.8% | 69.4%-41.6pp | 75.8%-48.0pp | 57.9%-30.1pp |
| Annual return | 16.08% | 13.19%+2.9pp | 282.11%-266.0pp | 49.38%-33.3pp |
| Employer contribution / active EE | $823 | $4,031-79.6% | $4,034-79.6% | $2,243-63.3% |
| Participant deferral / active EE | $1,269 | $2,599-51.2% | $5,318-76.1% | $2,729-53.5% |
| Admin fee / account holder | $4,895 | $1,365+258.5% | $10,693-54.2% | $1,145+327.5% |