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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 | $47,987 | $93,345-48.6% | $119,126-59.7% | $87,485-45.1% |
| Participation rate | 58.5% | 68.7%-10.2pp | 75.8%-17.2pp | 68.9%-10.4pp |
| Annual return | 23.13% | 19.08%+4.0pp | 282.11%-259.0pp | 26.06%-2.9pp |
| Employer contribution / active EE | $2,180 | $3,172-31.3% | $4,034-46.0% | $2,596-16.0% |
| Participant deferral / active EE | $3,200 | $4,099-21.9% | $5,318-39.8% | $4,274-25.1% |
| Admin fee / account holder | $6,158 | $8,039-23.4% | $10,693-42.4% | $7,775-20.8% |