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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 | $72,004 | $93,617-23.1% | $135,982-47.0% | $75,177-4.2% |
| Participation rate | 48.9% | 75.2%-26.3pp | 81.9%-33.0pp | 67.2%-18.3pp |
| Annual return | 15.36% | 30.89%-15.5pp | 68.32%-53.0pp | 160.75%-145.4pp |
| Employer contribution / active EE | $1,561 | $3,538-55.9% | $4,859-67.9% | $2,671-41.6% |
| Participant deferral / active EE | $7,510 | $6,406+17.2% | $7,760-3.2% | $4,126+82.0% |
| Admin fee / account holder | $19,715 | $6,980+182.5% | $10,767+83.1% | $5,651+248.9% |