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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 | $45,304 | $81,233-44.2% | $155,567-70.9% | $80,874-44.0% |
| Participation rate | 48.4% | 66.2%-17.8pp | 78.2%-29.8pp | 67.6%-19.3pp |
| Annual return | 11.40% | 33.33%-21.9pp | 64.74%-53.3pp | 35.62%-24.2pp |
| Employer contribution / active EE | $1,916 | $3,101-38.2% | $4,674-59.0% | $2,756-30.5% |
| Participant deferral / active EE | $3,013 | $3,452-12.7% | $5,628-46.5% | $4,297-29.9% |
| Admin fee / account holder | $14,359 | $7,998+79.5% | $15,916-9.8% | $6,935+107.0% |