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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 | $57,680 | $51,466+12.1% | $78,778-26.8% | $62,293-7.4% |
| Participation rate | 55.6% | 59.8%-4.2pp | 69.2%-13.6pp | 69.5%-14.0pp |
| Annual return | 16.02% | 19.96%-3.9pp | 35.62%-19.6pp | 28.90%-12.9pp |
| Employer contribution / active EE | $1,449 | $827+75.2% | $1,986-27.0% | $2,042-29.0% |
| Participant deferral / active EE | $2,527 | $2,147+17.7% | $2,958-14.6% | $3,169-20.3% |
| Admin fee / account holder | $1,850 | $489+278.0% | $5,134-64.0% | $479+285.8% |