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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 | $61,789-20.5% | $97,167-49.4% | $80,874-39.2% |
| Participation rate | 30.4% | 63.5%-33.1pp | 72.7%-42.3pp | 67.6%-37.2pp |
| Annual return | 14.95% | -557.90%+572.9pp | 75.27%-60.3pp | 35.62%-20.7pp |
| Employer contribution / active EE | $765 | $1,837-58.3% | $2,729-72.0% | $2,756-72.2% |
| Participant deferral / active EE | $1,103 | $3,028-63.6% | $4,264-74.1% | $4,297-74.3% |
| Admin fee / account holder | $6,802 | $5,168+31.6% | $5,650+20.4% | $6,935-1.9% |