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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 | $54,402 | $84,518-35.6% | $67,704-19.6% | $125,389-56.6% |
| Participation rate | 50.0% | 74.8%-24.8pp | 67.5%-17.5pp | 83.2%-33.2pp |
| Annual return | 4.86% | 2.57%+2.3pp | 25.41%-20.5pp | 282.24%-277.4pp |
| Employer contribution / active EE | $1,072 | $3,292-67.4% | $2,559-58.1% | $4,866-78.0% |
| Participant deferral / active EE | $1,974 | $4,430-55.4% | $3,585-45.0% | $5,352-63.1% |
| Admin fee / account holder | $3,353 | $5,340-37.2% | $4,255-21.2% | $9,541-64.9% |