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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 | $65,445 | $77,638-15.7% | $156,551-58.2% | $62,881+4.1% |
| Participation rate | 47.5% | 71.2%-23.7pp | 84.0%-36.5pp | 69.3%-21.8pp |
| Annual return | 8.87% | 50.33%-41.5pp | 32.23%-23.4pp | 20.14%-11.3pp |
| Employer contribution / active EE | $1,160 | $3,444-66.3% | $5,501-78.9% | $2,281-49.2% |
| Participant deferral / active EE | $2,204 | $3,046-27.6% | $4,871-54.8% | $3,203-31.2% |
| Admin fee / account holder | $311 | $5,561-94.4% | $13,028-97.6% | $4,296-92.8% |