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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 | $56,790 | $61,125-7.1% | $94,057-39.6% | $87,485-35.1% |
| Participation rate | 44.1% | 64.1%-19.9pp | 73.3%-29.2pp | 68.9%-24.8pp |
| Annual return | 15.05% | 35.20%-20.1pp | 480.62%-465.6pp | 26.06%-11.0pp |
| Employer contribution / active EE | $1,080 | $2,136-49.4% | $2,933-63.2% | $2,596-58.4% |
| Participant deferral / active EE | $3,074 | $3,260-5.7% | $4,709-34.7% | $4,274-28.1% |
| Admin fee / account holder | $4,789 | $5,629-14.9% | $7,244-33.9% | $7,775-38.4% |