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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 | $64,111 | $67,411-4.9% | $91,004-29.6% | $70,126-8.6% |
| Participation rate | 50.0% | 71.4%-21.4pp | 75.6%-25.6pp | 69.5%-19.5pp |
| Annual return | 19.62% | -40.16%+59.8pp | 4.60%+15.0pp | 73.15%-53.5pp |
| Employer contribution / active EE | $1,058 | $1,786-40.7% | $2,456-56.9% | $2,343-54.8% |
| Participant deferral / active EE | $1,622 | $2,823-42.5% | $3,548-54.3% | $3,332-51.3% |
| Admin fee / account holder | $3,438 | $4,236-18.8% | $5,417-36.5% | $4,645-26.0% |