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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 | $51,503 | $83,045-38.0% | $130,045-60.4% | $71,511-28.0% |
| Participation rate | 52.9% | 74.1%-21.2pp | 78.5%-25.6pp | 67.9%-15.0pp |
| Annual return | 15.97% | 20.61%-4.6pp | -137.30%+153.3pp | 28.86%-12.9pp |
| Employer contribution / active EE | $1,512 | $2,623-42.4% | $4,321-65.0% | $2,589-41.6% |
| Participant deferral / active EE | $3,017 | $4,436-32.0% | $5,820-48.2% | $4,291-29.7% |
| Admin fee / account holder | $4,204 | $1,727+143.4% | $10,600-60.3% | $1,588+164.7% |