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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 | $47,824 | $97,550-51.0% | $120,344-60.3% | $87,485-45.3% |
| Participation rate | 40.0% | 72.8%-32.8pp | 76.7%-36.7pp | 68.9%-28.9pp |
| Annual return | 13.75% | 18.41%-4.7pp | 20.30%-6.6pp | 26.06%-12.3pp |
| Employer contribution / active EE | $1,510 | $2,291-34.1% | $3,020-50.0% | $2,596-41.8% |
| Participant deferral / active EE | $2,773 | $4,230-34.4% | $5,135-46.0% | $4,274-35.1% |
| Admin fee / account holder | $19,970 | $9,543+109.3% | $12,742+56.7% | $7,775+156.9% |