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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 | $52,161 | $52,884-1.4% | $84,753-38.5% | $55,167-5.5% |
| Participation rate | 44.3% | 67.5%-23.2pp | 76.6%-32.3pp | 69.0%-24.7pp |
| Annual return | 5.37% | 18.03%-12.7pp | 22.78%-17.4pp | 169.23%-163.9pp |
| Employer contribution / active EE | $1,321 | $2,233-40.8% | $3,574-63.0% | $1,963-32.7% |
| Participant deferral / active EE | $2,296 | $2,644-13.2% | $3,712-38.1% | $3,054-24.8% |
| Admin fee / account holder | $896 | $581+54.3% | $5,333-83.2% | $504+77.8% |