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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 | $80,021 | $87,132-8.2% | $105,624-24.2% | $80,959-1.2% |
| Participation rate | 56.7% | 70.4%-13.8pp | 75.3%-18.6pp | 67.7%-11.0pp |
| Annual return | 10.24% | 17.03%-6.8pp | 116.20%-106.0pp | 35.67%-25.4pp |
| Employer contribution / active EE | $799 | $2,397-66.7% | $3,168-74.8% | $2,757-71.0% |
| Participant deferral / active EE | $3,455 | $3,985-13.3% | $5,013-31.1% | $4,300-19.7% |
| Admin fee / account holder | $7,506 | $8,449-11.2% | $10,961-31.5% | $6,925+8.4% |