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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 | $44,129 | $57,541-23.3% | $95,740-53.9% | $75,173-41.3% |
| Participation rate | 51.7% | 62.5%-10.8pp | 72.3%-20.6pp | 67.2%-15.5pp |
| Annual return | 24.86% | 34.93%-10.1pp | 28.41%-3.6pp | 160.72%-135.9pp |
| Employer contribution / active EE | $680 | $1,808-62.4% | $2,836-76.0% | $2,671-74.5% |
| Participant deferral / active EE | $2,934 | $3,074-4.5% | $4,244-30.9% | $4,126-28.9% |
| Admin fee / account holder | $5,139 | $4,099+25.4% | $5,676-9.5% | $5,651-9.1% |