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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 | $54,042 | $86,949-37.8% | $102,460-47.3% | $80,959-33.2% |
| Participation rate | 60.0% | 72.4%-12.4pp | 76.5%-16.5pp | 67.7%-7.7pp |
| Annual return | 10.69% | 18.89%-8.2pp | 29.47%-18.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $977 | $2,370-58.8% | $3,025-67.7% | $2,757-64.5% |
| Participant deferral / active EE | $2,470 | $4,121-40.1% | $5,056-51.1% | $4,300-42.6% |
| Admin fee / account holder | $12,478 | $8,048+55.1% | $9,460+31.9% | $6,925+80.2% |