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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 | $62,774 | $61,391+2.3% | $149,723-58.1% | $71,529-12.2% |
| Participation rate | 41.2% | 62.5%-21.3pp | 78.8%-37.6pp | 67.9%-26.7pp |
| Annual return | 24.90% | 35.88%-11.0pp | 134.50%-109.6pp | 28.97%-4.1pp |
| Employer contribution / active EE | $994 | $2,384-58.3% | $4,821-79.4% | $2,590-61.6% |
| Participant deferral / active EE | $2,114 | $2,921-27.6% | $5,682-62.8% | $4,291-50.7% |
| Admin fee / account holder | $1,554 | $1,264+22.9% | $13,215-88.2% | $1,588-2.2% |