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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 | $53,507 | $68,573-22.0% | $120,368-55.5% | $80,874-33.8% |
| Participation rate | 64.7% | 61.6%+3.1pp | 71.9%-7.2pp | 67.6%-2.9pp |
| Annual return | 12.59% | 23.61%-11.0pp | 107.26%-94.7pp | 35.62%-23.0pp |
| Employer contribution / active EE | $1,210 | $2,052-41.0% | $3,465-65.1% | $2,756-56.1% |
| Participant deferral / active EE | $3,282 | $3,174+3.4% | $4,991-34.2% | $4,297-23.6% |
| Admin fee / account holder | $18,551 | $5,734+223.5% | $9,429+96.7% | $6,935+167.5% |