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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 | $59,271 | $93,346-36.5% | $71,796-17.4% | $273,972-78.4% |
| Participation rate | 42.9% | 76.5%-33.7pp | 69.1%-26.3pp | 83.0%-40.2pp |
| Annual return | 6.01% | 130.39%-124.4pp | 78.04%-72.0pp | 41.46%-35.4pp |
| Employer contribution / active EE | $650 | $2,733-76.2% | $1,924-66.2% | $4,869-86.6% |
| Participant deferral / active EE | $1,229 | $3,475-64.6% | $2,794-56.0% | $5,287-76.7% |
| Admin fee / account holder | $5,151 | $6,571-21.6% | $4,815+7.0% | $10,133-49.2% |