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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 | $59,048 | $88,360-33.2% | $145,433-59.4% | $67,986-13.1% |
| Participation rate | 41.3% | 65.5%-24.2pp | 82.1%-40.8pp | 57.2%-15.9pp |
| Annual return | 23.91% | 63.15%-39.2pp | 66.58%-42.7pp | 31.67%-7.8pp |
| Employer contribution / active EE | $1,589 | $3,054-48.0% | $4,554-65.1% | $2,019-21.3% |
| Participant deferral / active EE | $2,695 | $5,932-54.6% | $7,897-65.9% | $3,358-19.8% |
| Admin fee / account holder | $4,525 | $3,313+36.6% | $13,129-65.5% | $3,203+41.3% |