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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 | $70,931 | $48,078+47.5% | $78,676-9.8% | $62,881+12.8% |
| Participation rate | 33.3% | 65.2%-31.9pp | 73.6%-40.2pp | 69.3%-36.0pp |
| Annual return | 5.79% | 31.36%-25.6pp | 62.19%-56.4pp | 20.14%-14.4pp |
| Employer contribution / active EE | $324 | $2,015-83.9% | $2,850-88.6% | $2,281-85.8% |
| Participant deferral / active EE | $2,177 | $2,587-15.8% | $3,517-38.1% | $3,203-32.0% |
| Admin fee / account holder | $1,486 | $3,206-53.7% | $4,510-67.1% | $4,296-65.4% |