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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 | $61,938 | $77,817-20.4% | $123,553-49.9% | $64,173-3.5% |
| Participation rate | 59.5% | 74.7%-15.3pp | 82.3%-22.8pp | 69.6%-10.1pp |
| Annual return | 22.06% | 12.49%+9.6pp | 119.21%-97.1pp | 7.63%+14.4pp |
| Employer contribution / active EE | $656 | $3,014-78.2% | $4,628-85.8% | $2,381-72.5% |
| Participant deferral / active EE | $3,992 | $5,240-23.8% | $6,426-37.9% | $3,470+15.1% |
| Admin fee / account holder | $305 | $5,519-94.5% | $9,284-96.7% | $4,887-93.8% |