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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 | $52,615 | $58,099-9.4% | $76,902-31.6% | $75,177-30.0% |
| Participation rate | 45.5% | 63.9%-18.4pp | 69.6%-24.2pp | 67.2%-21.8pp |
| Annual return | 13.81% | 26.71%-12.9pp | 37.91%-24.1pp | 160.75%-146.9pp |
| Employer contribution / active EE | $1,437 | $1,996-28.0% | $2,534-43.3% | $2,671-46.2% |
| Participant deferral / active EE | $2,425 | $2,999-19.2% | $3,833-36.7% | $4,126-41.2% |
| Admin fee / account holder | $9,679 | $4,778+102.6% | $5,479+76.7% | $5,651+71.3% |