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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 | $62,949 | $64,920-3.0% | $103,693-39.3% | $86,983-27.6% |
| Participation rate | 40.0% | 63.6%-23.6pp | 72.6%-32.6pp | 69.5%-29.5pp |
| Annual return | 11.96% | 30.29%-18.3pp | 47.61%-35.7pp | 25.83%-13.9pp |
| Employer contribution / active EE | $906 | $2,141-57.7% | $2,920-69.0% | $2,584-64.9% |
| Participant deferral / active EE | $1,820 | $3,241-43.8% | $4,579-60.2% | $4,194-56.6% |
| Admin fee / account holder | $16,853 | $6,191+172.2% | $7,858+114.5% | $7,856+114.5% |