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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 | $55,706 | $57,073-2.4% | $85,126-34.6% | $80,925-31.2% |
| Participation rate | 24.4% | 56.4%-32.0pp | 67.5%-43.1pp | 67.7%-43.2pp |
| Annual return | 14.68% | 21.69%-7.0pp | 66.63%-52.0pp | 35.65%-21.0pp |
| Employer contribution / active EE | $663 | $1,801-63.2% | $2,731-75.7% | $2,756-75.9% |
| Participant deferral / active EE | $1,661 | $3,113-46.6% | $4,523-63.3% | $4,299-61.3% |
| Admin fee / account holder | $10,250 | $4,988+105.5% | $6,160+66.4% | $6,940+47.7% |