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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 | $75,262 | $78,423-4.0% | $95,964-21.6% | $79,856-5.8% |
| Participation rate | 50.6% | 73.5%-22.9pp | 77.1%-26.5pp | 69.6%-19.1pp |
| Annual return | 12.95% | 19.37%-6.4pp | 91.64%-78.7pp | 31.71%-18.8pp |
| Employer contribution / active EE | $644 | $1,945-66.9% | $2,541-74.6% | $2,471-73.9% |
| Participant deferral / active EE | $2,392 | $3,440-30.5% | $4,167-42.6% | $3,741-36.1% |
| Admin fee / account holder | $542 | $5,622-90.4% | $6,797-92.0% | $5,306-89.8% |