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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 | $56,574 | $78,670-28.1% | $109,173-48.2% | $85,847-34.1% |
| Participation rate | 65.1% | 68.3%-3.2pp | 75.9%-10.8pp | 69.3%-4.2pp |
| Annual return | 13.87% | 25.09%-11.2pp | 25.75%-11.9pp | 318.61%-304.7pp |
| Employer contribution / active EE | $1,302 | $2,734-52.4% | $3,723-65.0% | $2,565-49.2% |
| Participant deferral / active EE | $2,851 | $3,467-17.8% | $4,654-38.7% | $3,952-27.9% |
| Admin fee / account holder | $2,076 | $5,469-62.0% | $6,755-69.3% | $6,261-66.8% |