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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 | $31,563 | $61,789-48.9% | $97,167-67.5% | $80,874-61.0% |
| Participation rate | 56.7% | 63.5%-6.8pp | 72.7%-16.0pp | 67.6%-11.0pp |
| Annual return | 26.05% | -557.90%+584.0pp | 75.27%-49.2pp | 35.62%-9.6pp |
| Employer contribution / active EE | $1,501 | $1,837-18.3% | $2,729-45.0% | $2,756-45.5% |
| Participant deferral / active EE | $2,844 | $3,028-6.1% | $4,264-33.3% | $4,297-33.8% |
| Admin fee / account holder | $2,924 | $5,168-43.4% | $5,650-48.3% | $6,935-57.8% |