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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 | $52,740 | $106,749-50.6% | $145,433-63.7% | $82,448-36.0% |
| Participation rate | 42.3% | 75.6%-33.4pp | 82.1%-39.9pp | 68.1%-25.8pp |
| Annual return | 17.28% | 27.59%-10.3pp | 66.58%-49.3pp | 41.64%-24.4pp |
| Employer contribution / active EE | $1,316 | $3,444-61.8% | $4,554-71.1% | $2,551-48.4% |
| Participant deferral / active EE | $5,653 | $6,519-13.3% | $7,897-28.4% | $4,139+36.6% |
| Admin fee / account holder | $17,081 | $8,390+103.6% | $13,129+30.1% | $7,234+136.1% |