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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 | $69,812 | $78,423-11.0% | $95,964-27.3% | $79,856-12.6% |
| Participation rate | 55.6% | 73.5%-17.9pp | 77.1%-21.5pp | 69.6%-14.1pp |
| Annual return | 11.02% | 19.37%-8.4pp | 91.64%-80.6pp | 31.71%-20.7pp |
| Employer contribution / active EE | $2,454 | $1,945+26.2% | $2,541-3.4% | $2,471-0.7% |
| Participant deferral / active EE | $3,724 | $3,440+8.2% | $4,167-10.6% | $3,741-0.5% |
| Admin fee / account holder | $45,765 | $5,622+714.1% | $6,797+573.3% | $5,306+762.4% |