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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 | $22,696 | $83,337-72.8% | $67,834-66.5% | $273,972-91.7% |
| Participation rate | 53.8% | 76.4%-22.6pp | 68.8%-15.0pp | 83.0%-29.2pp |
| Annual return | 5.43% | 259.45%-254.0pp | 138.47%-133.0pp | 41.46%-36.0pp |
| Employer contribution / active EE | $2,629 | $3,287-20.0% | $2,403+9.4% | $4,869-46.0% |
| Participant deferral / active EE | $4,561 | $4,088+11.6% | $3,160+44.4% | $5,287-13.7% |
| Admin fee / account holder | $15,491 | $6,752+129.4% | $4,622+235.1% | $10,133+52.9% |