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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 | $54,911 | $94,031-41.6% | $115,768-52.6% | $82,448-33.4% |
| Participation rate | 26.7% | 70.4%-43.8pp | 74.4%-47.7pp | 68.1%-41.4pp |
| Annual return | 14.68% | 20.61%-5.9pp | 100.46%-85.8pp | 41.64%-27.0pp |
| Employer contribution / active EE | $3,101 | $2,323+33.5% | $2,940+5.5% | $2,551+21.6% |
| Participant deferral / active EE | $0 | $3,972-100.0% | $4,917-100.0% | $4,139-100.0% |
| Admin fee / account holder | $5,541 | $10,249-45.9% | $12,439-55.5% | $7,234-23.4% |