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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 | $66,467 | $60,349+10.1% | $74,184-10.4% | $62,881+5.7% |
| Participation rate | 43.3% | 72.7%-29.4pp | 76.6%-33.3pp | 69.3%-26.0pp |
| Annual return | 5.08% | 21.38%-16.3pp | 17.74%-12.7pp | 20.14%-15.1pp |
| Employer contribution / active EE | $413 | $1,680-75.4% | $2,370-82.6% | $2,281-81.9% |
| Participant deferral / active EE | $1,740 | $2,856-39.1% | $3,550-51.0% | $3,203-45.7% |
| Admin fee / account holder | $10,015 | $4,261+135.0% | $5,586+79.3% | $4,296+133.1% |