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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 | $65,875 | $57,352+14.9% | $83,831-21.4% | $64,173+2.7% |
| Participation rate | 32.6% | 68.6%-36.0pp | 76.1%-43.5pp | 69.6%-37.0pp |
| Annual return | -5.03% | 11.38%-16.4pp | 850.99%-856.0pp | 7.63%-12.7pp |
| Employer contribution / active EE | $637 | $2,546-75.0% | $3,631-82.5% | $2,381-73.3% |
| Participant deferral / active EE | $1,798 | $2,993-39.9% | $4,082-56.0% | $3,470-48.2% |
| Admin fee / account holder | $764 | $4,046-81.1% | $5,479-86.1% | $4,887-84.4% |