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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 | $45,584 | $81,208-43.9% | $98,920-53.9% | $79,852-42.9% |
| Participation rate | 64.9% | 72.5%-7.6pp | 76.0%-11.2pp | 69.6%-4.8pp |
| Annual return | 11.13% | 60.99%-49.9pp | 196.47%-185.3pp | 31.72%-20.6pp |
| Employer contribution / active EE | $795 | $1,960-59.4% | $2,689-70.5% | $2,471-67.8% |
| Participant deferral / active EE | $2,362 | $3,265-27.7% | $4,245-44.4% | $3,740-36.9% |
| Admin fee / account holder | $9,407 | $6,013+56.5% | $6,643+41.6% | $5,306+77.3% |