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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 | $52,158 | $77,920-33.1% | $149,723-65.2% | $75,177-30.6% |
| Participation rate | 62.0% | 65.6%-3.6pp | 78.8%-16.8pp | 67.2%-5.2pp |
| Annual return | 28.79% | 31.72%-2.9pp | 134.50%-105.7pp | 160.75%-132.0pp |
| Employer contribution / active EE | $953 | $3,138-69.6% | $4,821-80.2% | $2,671-64.3% |
| Participant deferral / active EE | $3,397 | $3,411-0.4% | $5,682-40.2% | $4,126-17.7% |
| Admin fee / account holder | $13,601 | $5,951+128.6% | $13,215+2.9% | $5,651+140.7% |