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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 | $64,467 | $91,179-29.3% | $178,499-63.9% | $79,852-19.3% |
| Participation rate | 35.4% | 69.2%-33.8pp | 81.9%-46.5pp | 69.6%-34.2pp |
| Annual return | 17.50% | 24.19%-6.7pp | 151.10%-133.6pp | 31.72%-14.2pp |
| Employer contribution / active EE | $799 | $3,256-75.5% | $5,011-84.1% | $2,471-67.7% |
| Participant deferral / active EE | $1,922 | $3,236-40.6% | $5,202-63.0% | $3,740-48.6% |
| Admin fee / account holder | $1,459 | $6,749-78.4% | $13,986-89.6% | $5,306-72.5% |