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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 | $63,834 | $78,428-18.6% | $95,960-33.5% | $79,852-20.1% |
| Participation rate | 65.4% | 73.5%-8.1pp | 77.1%-11.7pp | 69.6%-4.3pp |
| Annual return | 14.60% | 19.37%-4.8pp | 91.63%-77.0pp | 31.72%-17.1pp |
| Employer contribution / active EE | $702 | $1,945-63.9% | $2,541-72.4% | $2,471-71.6% |
| Participant deferral / active EE | $1,852 | $3,440-46.2% | $4,167-55.5% | $3,740-50.5% |
| Admin fee / account holder | $7,640 | $5,622+35.9% | $6,797+12.4% | $5,306+44.0% |