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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 | $67,633 | $110,212-38.6% | $96,534-29.9% | $139,466-51.5% |
| Participation rate | 54.5% | 78.1%-23.6pp | 76.0%-21.4pp | 80.3%-25.8pp |
| Annual return | 16.54% | 26.42%-9.9pp | 25.88%-9.3pp | 373.66%-357.1pp |
| Employer contribution / active EE | $1,601 | $3,620-55.8% | $2,965-46.0% | $4,754-66.3% |
| Participant deferral / active EE | $5,407 | $5,547-2.5% | $4,851+11.5% | $6,712-19.4% |
| Admin fee / account holder | $6,873 | $11,599-40.7% | $8,253-16.7% | $11,409-39.8% |