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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 | $57,040 | $65,034-12.3% | $90,970-37.3% | $79,856-28.6% |
| Participation rate | 60.4% | 61.6%-1.2pp | 69.0%-8.6pp | 69.6%-9.3pp |
| Annual return | 12.67% | 30.45%-17.8pp | 134.60%-121.9pp | 31.71%-19.0pp |
| Employer contribution / active EE | $351 | $1,247-71.9% | $2,122-83.5% | $2,471-85.8% |
| Participant deferral / active EE | $2,471 | $2,512-1.6% | $3,373-26.7% | $3,741-33.9% |
| Admin fee / account holder | $7,184 | $4,536+58.4% | $5,961+20.5% | $5,306+35.4% |