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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 | $61,124 | $65,034-6.0% | $90,970-32.8% | $79,856-23.5% |
| Participation rate | 50.0% | 61.6%-11.6pp | 69.0%-19.0pp | 69.6%-19.6pp |
| Annual return | 10.75% | 30.45%-19.7pp | 134.60%-123.8pp | 31.71%-21.0pp |
| Employer contribution / active EE | $299 | $1,247-76.0% | $2,122-85.9% | $2,471-87.9% |
| Participant deferral / active EE | $1,426 | $2,512-43.3% | $3,373-57.7% | $3,741-61.9% |
| Admin fee / account holder | $1,023 | $4,536-77.5% | $5,961-82.8% | $5,306-80.7% |