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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 | $64,082 | $98,766-35.1% | $149,730-57.2% | $79,852-19.7% |
| Participation rate | 58.8% | 75.8%-17.0pp | 82.5%-23.7pp | 69.6%-10.9pp |
| Annual return | 12.82% | 27.43%-14.6pp | 276.70%-263.9pp | 31.72%-18.9pp |
| Employer contribution / active EE | $1,537 | $3,217-52.2% | $4,645-66.9% | $2,471-37.8% |
| Participant deferral / active EE | $3,274 | $5,681-42.4% | $6,843-52.2% | $3,740-12.5% |
| Admin fee / account holder | $310 | $6,052-94.9% | $9,310-96.7% | $5,306-94.2% |