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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 | $55,201 | $58,241-5.2% | $81,780-32.5% | $80,911-31.8% |
| Participation rate | 42.4% | 63.4%-21.0pp | 72.4%-29.9pp | 67.6%-25.2pp |
| Annual return | 12.80% | 41.73%-28.9pp | 776.27%-763.5pp | 35.63%-22.8pp |
| Employer contribution / active EE | $683 | $2,343-70.8% | $2,914-76.6% | $2,756-75.2% |
| Participant deferral / active EE | $1,688 | $3,283-48.6% | $4,321-60.9% | $4,297-60.7% |
| Admin fee / account holder | $9,881 | $4,973+98.7% | $7,384+33.8% | $6,935+42.5% |