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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 | $51,712 | $54,763-5.6% | $90,324-42.7% | $72,976-29.1% |
| Participation rate | 35.6% | 65.2%-29.6pp | 73.3%-37.7pp | 69.5%-33.9pp |
| Annual return | 18.84% | 30.63%-11.8pp | 78.15%-59.3pp | 81.02%-62.2pp |
| Employer contribution / active EE | $374 | $2,093-82.1% | $2,856-86.9% | $2,440-84.7% |
| Participant deferral / active EE | $1,796 | $2,887-37.8% | $3,885-53.8% | $3,608-50.2% |
| Admin fee / account holder | $32,182 | $3,973+709.9% | $5,356+500.9% | $5,124+528.1% |