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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 | $52,786 | $58,828-10.3% | $78,002-32.3% | $62,881-16.1% |
| Participation rate | 55.9% | 71.1%-15.1pp | 75.5%-19.6pp | 69.3%-13.4pp |
| Annual return | 4.95% | 17.16%-12.2pp | 425.99%-421.0pp | 20.14%-15.2pp |
| Employer contribution / active EE | $644 | $1,672-61.5% | $2,470-73.9% | $2,281-71.8% |
| Participant deferral / active EE | $1,759 | $2,686-34.5% | $3,497-49.7% | $3,203-45.1% |
| Admin fee / account holder | $2,736 | $4,393-37.7% | $5,481-50.1% | $4,296-36.3% |