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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 | $66,364 | $78,423-15.4% | $95,964-30.8% | $79,856-16.9% |
| Participation rate | 49.2% | 73.5%-24.3pp | 77.1%-27.9pp | 69.6%-20.5pp |
| Annual return | 19.84% | 19.37%+0.5pp | 91.64%-71.8pp | 31.71%-11.9pp |
| Employer contribution / active EE | $1,267 | $1,945-34.9% | $2,541-50.2% | $2,471-48.7% |
| Participant deferral / active EE | $2,637 | $3,440-23.3% | $4,167-36.7% | $3,741-29.5% |
| Admin fee / account holder | $1,374 | $5,622-75.6% | $6,797-79.8% | $5,306-74.1% |