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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 | $71,749 | $99,875-28.2% | $146,866-51.1% | $86,983-17.5% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.5%-32.5pp | 69.5%-19.5pp |
| Annual return | 14.97% | 28.10%-13.1pp | 102.85%-87.9pp | 25.83%-10.9pp |
| Employer contribution / active EE | $970 | $3,224-69.9% | $4,425-78.1% | $2,584-62.5% |
| Participant deferral / active EE | $5,455 | $6,322-13.7% | $7,759-29.7% | $4,194+30.1% |
| Admin fee / account holder | $9,391 | $7,838+19.8% | $13,620-31.0% | $7,856+19.5% |