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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 | $59,515 | $56,438+5.5% | $76,872-22.6% | $71,511-16.8% |
| Participation rate | 45.0% | 64.3%-19.3pp | 69.6%-24.6pp | 67.9%-22.9pp |
| Annual return | 15.69% | 19.05%-3.4pp | 37.90%-22.2pp | 28.86%-13.2pp |
| Employer contribution / active EE | $1,142 | $1,864-38.7% | $2,533-54.9% | $2,589-55.9% |
| Participant deferral / active EE | $1,903 | $3,136-39.3% | $3,832-50.4% | $4,291-55.7% |
| Admin fee / account holder | $2,462 | $1,430+72.1% | $5,476-55.0% | $1,588+55.0% |