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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 | $49,439 | $97,648-49.4% | $121,663-59.4% | $87,485-43.5% |
| Participation rate | 51.2% | 70.5%-19.3pp | 74.5%-23.3pp | 68.9%-17.7pp |
| Annual return | 18.23% | 18.03%+0.2pp | 147.54%-129.3pp | 26.06%-7.8pp |
| Employer contribution / active EE | $1,471 | $2,300-36.1% | $3,020-51.3% | $2,596-43.3% |
| Participant deferral / active EE | $2,426 | $3,923-38.2% | $4,887-50.4% | $4,274-43.2% |
| Admin fee / account holder | $5,119 | $11,100-53.9% | $14,289-64.2% | $7,775-34.2% |