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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 | $106,524-50.5% | $152,301-65.4% | $87,485-39.7% |
| Participation rate | 42.3% | 75.8%-33.5pp | 82.4%-40.2pp | 68.9%-26.7pp |
| Annual return | 17.28% | 26.89%-9.6pp | 80.50%-63.2pp | 26.06%-8.8pp |
| Employer contribution / active EE | $1,316 | $3,371-61.0% | $4,624-71.5% | $2,596-49.3% |
| Participant deferral / active EE | $5,653 | $6,525-13.4% | $8,004-29.4% | $4,274+32.3% |
| Admin fee / account holder | $17,081 | $8,287+106.1% | $14,398+18.6% | $7,775+119.7% |