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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 | $88,290 | $109,782-19.6% | $260,467-66.1% | $94,015-6.1% |
| Participation rate | 53.6% | 67.2%-13.6pp | 80.5%-26.9pp | 70.8%-17.2pp |
| Annual return | 17.39% | 18.60%-1.2pp | 100.60%-83.2pp | 17.84%-0.5pp |
| Employer contribution / active EE | $930 | $2,147-56.7% | $4,239-78.1% | $2,790-66.7% |
| Participant deferral / active EE | $3,652 | $4,044-9.7% | $6,319-42.2% | $4,249-14.1% |
| Admin fee / account holder | $301 | $11,958-97.5% | $15,461-98.1% | $8,951-96.6% |