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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 | $65,619 | $103,949-36.9% | $69,182-5.1% | $273,972-76.0% |
| Participation rate | 25.0% | 67.4%-42.4pp | 55.1%-30.1pp | 83.0%-58.0pp |
| Annual return | 11.41% | 35.28%-23.9pp | -21.93%+33.3pp | 41.46%-30.0pp |
| Employer contribution / active EE | $691 | $1,783-61.2% | $1,206-42.7% | $4,869-85.8% |
| Participant deferral / active EE | $2,217 | $2,716-18.4% | $1,897+16.8% | $5,287-58.1% |
| Admin fee / account holder | $583 | $3,671-84.1% | $2,697-78.4% | $10,133-94.2% |