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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 | $56,801 | $67,411-15.7% | $91,004-37.6% | $70,126-19.0% |
| Participation rate | 60.0% | 71.4%-11.4pp | 75.6%-15.6pp | 69.5%-9.5pp |
| Annual return | 15.93% | -40.16%+56.1pp | 4.60%+11.3pp | 73.15%-57.2pp |
| Employer contribution / active EE | $368 | $1,786-79.4% | $2,456-85.0% | $2,343-84.3% |
| Participant deferral / active EE | $1,610 | $2,823-43.0% | $3,548-54.6% | $3,332-51.7% |
| Admin fee / account holder | $883 | $4,236-79.2% | $5,417-83.7% | $4,645-81.0% |