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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 | $59,814 | $41,377+44.6% | $109,313-45.3% | $62,881-4.9% |
| Participation rate | 23.0% | 57.5%-34.6pp | 71.3%-48.3pp | 69.3%-46.4pp |
| Annual return | 4.91% | 11.05%-6.1pp | 22.07%-17.2pp | 20.14%-15.2pp |
| Employer contribution / active EE | $620 | $1,276-51.4% | $3,892-84.1% | $2,281-72.8% |
| Participant deferral / active EE | $1,461 | $2,045-28.5% | $3,166-53.8% | $3,203-54.4% |
| Admin fee / account holder | $11,195 | $2,884+288.2% | $5,666+97.6% | $4,296+160.6% |