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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 | $68,350 | $78,428-12.9% | $95,960-28.8% | $79,852-14.4% |
| Participation rate | 54.8% | 73.5%-18.7pp | 77.1%-22.3pp | 69.6%-14.9pp |
| Annual return | 15.74% | 19.37%-3.6pp | 91.63%-75.9pp | 31.72%-16.0pp |
| Employer contribution / active EE | $1,614 | $1,945-17.0% | $2,541-36.5% | $2,471-34.7% |
| Participant deferral / active EE | $2,232 | $3,440-35.1% | $4,167-46.4% | $3,740-40.3% |
| Admin fee / account holder | $597 | $5,622-89.4% | $6,797-91.2% | $5,306-88.8% |