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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 | $44,074 | $67,602-34.8% | $82,312-46.5% | $70,126-37.1% |
| Participation rate | 57.1% | 72.8%-15.6pp | 76.9%-19.8pp | 69.5%-12.4pp |
| Annual return | 12.51% | 21.57%-9.1pp | 25.88%-13.4pp | 73.15%-60.6pp |
| Employer contribution / active EE | $1,369 | $1,755-22.0% | $2,428-43.6% | $2,343-41.6% |
| Participant deferral / active EE | $3,109 | $2,987+4.1% | $3,706-16.1% | $3,332-6.7% |
| Admin fee / account holder | $21,562 | $4,512+377.9% | $5,608+284.5% | $4,645+364.1% |