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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 | $62,295 | $63,703-2.2% | $93,063-33.1% | $82,448-24.4% |
| Participation rate | 56.9% | 63.8%-6.9pp | 72.1%-15.2pp | 68.1%-11.2pp |
| Annual return | 19.94% | -775.43%+795.4pp | 34.15%-14.2pp | 41.64%-21.7pp |
| Employer contribution / active EE | $880 | $1,729-49.1% | $2,476-64.5% | $2,551-65.5% |
| Participant deferral / active EE | $3,790 | $2,919+29.8% | $3,958-4.3% | $4,139-8.4% |
| Admin fee / account holder | $1,896 | $5,982-68.3% | $6,033-68.6% | $7,234-73.8% |