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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 | $86,419 | $95,404-9.4% | $113,397-23.8% | $82,637+4.6% |
| Participation rate | 30.0% | 72.8%-42.8pp | 76.5%-46.5pp | 68.1%-38.1pp |
| Annual return | 18.40% | 19.08%-0.7pp | 23.20%-4.8pp | 53.51%-35.1pp |
| Employer contribution / active EE | $1,386 | $2,307-39.9% | $2,977-53.4% | $2,552-45.7% |
| Participant deferral / active EE | $2,249 | $4,220-46.7% | $5,076-55.7% | $4,126-45.5% |
| Admin fee / account holder | $450 | $9,168-95.1% | $11,957-96.2% | $7,339-93.9% |