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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 | $29,817 | $65,453-54.4% | $86,698-65.6% | $66,938-55.5% |
| Participation rate | 60.7% | 75.5%-14.7pp | 76.6%-15.9pp | 69.8%-9.1pp |
| Annual return | 41.17% | -10.89%+52.1pp | 35.95%+5.2pp | 1.58%+39.6pp |
| Employer contribution / active EE | $879 | $2,154-59.2% | $2,837-69.0% | $2,545-65.4% |
| Participant deferral / active EE | $3,234 | $4,102-21.2% | $4,656-30.5% | $4,238-23.7% |
| Admin fee / account holder | $4,371 | $642+581.0% | $7,493-41.7% | $594+636.4% |