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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 | $68,852-22.3% | $120,524-55.6% | $80,925-33.9% |
| Participation rate | 64.7% | 61.6%+3.1pp | 71.9%-7.2pp | 67.7%-3.0pp |
| Annual return | 12.59% | 23.67%-11.1pp | 107.36%-94.8pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,210 | $2,063-41.3% | $3,469-65.1% | $2,756-56.1% |
| Participant deferral / active EE | $3,282 | $3,187+3.0% | $4,994-34.3% | $4,299-23.6% |
| Admin fee / account holder | $18,551 | $5,781+220.9% | $9,440+96.5% | $6,940+167.3% |