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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 | $87,038 | $91,198-4.6% | $178,503-51.2% | $79,856+9.0% |
| Participation rate | 16.0% | 69.2%-53.2pp | 81.9%-65.9pp | 69.6%-53.6pp |
| Annual return | 18.64% | 24.20%-5.6pp | 151.12%-132.5pp | 31.71%-13.1pp |
| Employer contribution / active EE | $572 | $3,257-82.4% | $5,011-88.6% | $2,471-76.8% |
| Participant deferral / active EE | $2,118 | $3,237-34.6% | $5,202-59.3% | $3,741-43.4% |
| Admin fee / account holder | $865 | $6,748-87.2% | $13,987-93.8% | $5,306-83.7% |