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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 | $54,516 | $95,453-42.9% | $112,040-51.3% | $82,448-33.9% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.5%-16.5pp | 68.1%-8.1pp |
| Annual return | 15.13% | 23.92%-8.8pp | 24.52%-9.4pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,349 | $2,318-41.8% | $2,954-54.3% | $2,551-47.1% |
| Participant deferral / active EE | $2,460 | $4,224-41.8% | $5,098-51.7% | $4,139-40.6% |
| Admin fee / account holder | $2,281 | $9,013-74.7% | $12,098-81.1% | $7,234-68.5% |