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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 | $56,121 | $80,983-30.7% | $96,544-41.9% | $75,177-25.3% |
| Participation rate | 37.0% | 71.8%-34.8pp | 76.0%-38.9pp | 67.2%-30.2pp |
| Annual return | 15.01% | 27.05%-12.0pp | 25.88%-10.9pp | 160.75%-145.7pp |
| Employer contribution / active EE | $1,481 | $2,282-35.1% | $2,966-50.1% | $2,671-44.6% |
| Participant deferral / active EE | $1,835 | $3,929-53.3% | $4,851-62.2% | $4,126-55.5% |
| Admin fee / account holder | $20,308 | $6,717+202.4% | $8,254+146.0% | $5,651+259.3% |