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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 | $66,287 | $87,132-23.9% | $105,624-37.2% | $80,959-18.1% |
| Participation rate | 56.5% | 70.4%-13.9pp | 75.3%-18.8pp | 67.7%-11.1pp |
| Annual return | 12.66% | 17.03%-4.4pp | 116.20%-103.5pp | 35.67%-23.0pp |
| Employer contribution / active EE | $652 | $2,397-72.8% | $3,168-79.4% | $2,757-76.3% |
| Participant deferral / active EE | $3,939 | $3,985-1.2% | $5,013-21.4% | $4,300-8.4% |
| Admin fee / account holder | $9,381 | $8,449+11.0% | $10,961-14.4% | $6,925+35.5% |