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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 | $64,489 | $93,345-30.9% | $119,126-45.9% | $87,485-26.3% |
| Participation rate | 48.6% | 68.7%-20.2pp | 75.8%-27.2pp | 68.9%-20.4pp |
| Annual return | 17.79% | 19.08%-1.3pp | 282.11%-264.3pp | 26.06%-8.3pp |
| Employer contribution / active EE | $1,676 | $3,172-47.2% | $4,034-58.4% | $2,596-35.4% |
| Participant deferral / active EE | $3,282 | $4,099-19.9% | $5,318-38.3% | $4,274-23.2% |
| Admin fee / account holder | $1,615 | $8,039-79.9% | $10,693-84.9% | $7,775-79.2% |