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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 | $46,584 | $115,225-59.6% | $100,712-53.7% | $138,895-66.5% |
| Participation rate | 27.8% | 74.3%-46.6pp | 69.3%-41.5pp | 79.9%-52.1pp |
| Annual return | 13.86% | 40.35%-26.5pp | 33.27%-19.4pp | 145.39%-131.5pp |
| Employer contribution / active EE | $1,062 | $2,771-61.7% | $2,313-54.1% | $4,194-74.7% |
| Participant deferral / active EE | $3,029 | $4,699-35.5% | $4,085-25.9% | $6,396-52.6% |
| Admin fee / account holder | $55,868 | $10,844+415.2% | $9,256+503.6% | $12,562+344.7% |