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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 | $64,030 | $77,638-17.5% | $156,551-59.1% | $62,881+1.8% |
| Participation rate | 56.4% | 71.2%-14.8pp | 84.0%-27.6pp | 69.3%-12.9pp |
| Annual return | 16.35% | 50.33%-34.0pp | 32.23%-15.9pp | 20.14%-3.8pp |
| Employer contribution / active EE | $1,050 | $3,444-69.5% | $5,501-80.9% | $2,281-53.9% |
| Participant deferral / active EE | $1,916 | $3,046-37.1% | $4,871-60.7% | $3,203-40.2% |
| Admin fee / account holder | $1,495 | $5,561-73.1% | $13,028-88.5% | $4,296-65.2% |