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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 | $64,863 | $84,518-23.3% | $67,704-4.2% | $125,389-48.3% |
| Participation rate | 54.2% | 74.8%-20.6pp | 67.5%-13.4pp | 83.2%-29.0pp |
| Annual return | 2.31% | 2.57%-0.3pp | 25.41%-23.1pp | 282.24%-279.9pp |
| Employer contribution / active EE | $896 | $3,292-72.8% | $2,559-65.0% | $4,866-81.6% |
| Participant deferral / active EE | $2,864 | $4,430-35.4% | $3,585-20.1% | $5,352-46.5% |
| Admin fee / account holder | $5,964 | $5,340+11.7% | $4,255+40.2% | $9,541-37.5% |