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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 | $50,867 | $77,920-34.7% | $149,723-66.0% | $75,177-32.3% |
| Participation rate | 20.0% | 65.6%-45.6pp | 78.8%-58.8pp | 67.2%-47.2pp |
| Annual return | 15.94% | 31.72%-15.8pp | 134.50%-118.6pp | 160.75%-144.8pp |
| Employer contribution / active EE | $842 | $3,138-73.2% | $4,821-82.5% | $2,671-68.5% |
| Participant deferral / active EE | $1,496 | $3,411-56.2% | $5,682-73.7% | $4,126-63.8% |
| Admin fee / account holder | $6,159 | $5,951+3.5% | $13,215-53.4% | $5,651+9.0% |