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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 | $56,274 | $67,894-17.1% | $89,340-37.0% | $82,448-31.7% |
| Participation rate | 30.9% | 64.0%-33.2pp | 69.6%-38.7pp | 68.1%-37.2pp |
| Annual return | 16.61% | 19.21%-2.6pp | 20.57%-4.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,039 | $1,828-43.2% | $2,231-53.4% | $2,551-59.3% |
| Participant deferral / active EE | $2,420 | $3,072-21.2% | $3,823-36.7% | $4,139-41.5% |
| Admin fee / account holder | $14,559 | $5,723+154.4% | $6,704+117.2% | $7,234+101.3% |