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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 | $54,575 | $41,377+31.9% | $109,313-50.1% | $62,881-13.2% |
| Participation rate | 42.2% | 57.5%-15.4pp | 71.3%-29.1pp | 69.3%-27.1pp |
| Annual return | 6.67% | 11.05%-4.4pp | 22.07%-15.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,031 | $1,276-19.2% | $3,892-73.5% | $2,281-54.8% |
| Participant deferral / active EE | $1,852 | $2,045-9.4% | $3,166-41.5% | $3,203-42.2% |
| Admin fee / account holder | $9,853 | $2,884+241.7% | $5,666+73.9% | $4,296+129.4% |