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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 | $55,024 | $57,119-3.7% | $85,187-35.4% | $80,935-32.0% |
| Participation rate | 36.1% | 56.4%-20.3pp | 67.5%-31.4pp | 67.7%-31.6pp |
| Annual return | 12.25% | 21.70%-9.5pp | 66.67%-54.4pp | 35.66%-23.4pp |
| Employer contribution / active EE | $736 | $1,802-59.1% | $2,732-73.1% | $2,757-73.3% |
| Participant deferral / active EE | $3,575 | $3,115+14.8% | $4,525-21.0% | $4,299-16.9% |
| Admin fee / account holder | $10,868 | $4,990+117.8% | $6,162+76.4% | $6,924+57.0% |