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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 | $58,275-5.3% | $81,844-32.6% | $80,935-31.8% |
| Participation rate | 42.4% | 63.5%-21.0pp | 72.4%-30.0pp | 67.7%-25.2pp |
| Annual return | 12.80% | 41.82%-29.0pp | 778.87%-766.1pp | 35.66%-22.9pp |
| Employer contribution / active EE | $683 | $2,346-70.9% | $2,916-76.6% | $2,757-75.2% |
| Participant deferral / active EE | $1,688 | $3,285-48.6% | $4,323-61.0% | $4,299-60.7% |
| Admin fee / account holder | $9,881 | $4,749+108.1% | $7,355+34.3% | $6,924+42.7% |