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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 | $49,142 | $61,815-20.5% | $97,295-49.5% | $80,959-39.3% |
| Participation rate | 30.4% | 63.5%-33.0pp | 72.7%-42.2pp | 67.7%-37.2pp |
| Annual return | 14.95% | -558.73%+573.7pp | 75.62%-60.7pp | 35.67%-20.7pp |
| Employer contribution / active EE | $765 | $1,836-58.3% | $2,723-71.9% | $2,757-72.2% |
| Participant deferral / active EE | $1,103 | $3,027-63.6% | $4,264-74.1% | $4,300-74.4% |
| Admin fee / account holder | $6,802 | $5,166+31.7% | $5,646+20.5% | $6,925-1.8% |