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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 | $60,928 | $71,230-14.5% | $93,727-35.0% | $80,959-24.7% |
| Participation rate | 43.8% | 60.4%-16.6pp | 68.7%-25.0pp | 67.7%-23.9pp |
| Annual return | 14.04% | 11.26%+2.8pp | 133.83%-119.8pp | 35.67%-21.6pp |
| Employer contribution / active EE | $516 | $1,565-67.1% | $2,421-78.7% | $2,757-81.3% |
| Participant deferral / active EE | $3,264 | $4,037-19.2% | $4,417-26.1% | $4,300-24.1% |
| Admin fee / account holder | $8,963 | $6,961+28.8% | $8,292+8.1% | $6,925+29.4% |