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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 | $53,863 | $78,425-31.3% | $95,956-43.9% | $79,858-32.6% |
| Participation rate | 32.1% | 73.5%-41.3pp | 77.1%-44.9pp | 69.6%-37.5pp |
| Annual return | 19.62% | 19.37%+0.3pp | 91.63%-72.0pp | 31.72%-12.1pp |
| Employer contribution / active EE | $874 | $1,945-55.1% | $2,541-65.6% | $2,471-64.6% |
| Participant deferral / active EE | $2,275 | $3,440-33.9% | $4,167-45.4% | $3,740-39.2% |
| Admin fee / account holder | $362 | $5,622-93.6% | $6,797-94.7% | $5,306-93.2% |