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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 | $66,456 | $63,314+5.0% | $91,004-27.0% | $62,293+6.7% |
| Participation rate | 49.6% | 73.3%-23.7pp | 75.6%-26.0pp | 69.5%-19.9pp |
| Annual return | 20.82% | 21.00%-0.2pp | 4.60%+16.2pp | 28.90%-8.1pp |
| Employer contribution / active EE | $665 | $1,807-63.2% | $2,456-72.9% | $2,042-67.4% |
| Participant deferral / active EE | $2,035 | $2,944-30.9% | $3,548-42.6% | $3,169-35.8% |
| Admin fee / account holder | $2,136 | $468+356.8% | $5,417-60.6% | $479+345.6% |