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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 | $84,945 | $91,198-6.9% | $178,503-52.4% | $79,856+6.4% |
| Participation rate | 55.2% | 69.2%-14.0pp | 81.9%-26.8pp | 69.6%-14.5pp |
| Annual return | 17.68% | 24.20%-6.5pp | 151.12%-133.4pp | 31.71%-14.0pp |
| Employer contribution / active EE | $1,604 | $3,257-50.8% | $5,011-68.0% | $2,471-35.1% |
| Participant deferral / active EE | $2,740 | $3,237-15.4% | $5,202-47.3% | $3,741-26.8% |
| Admin fee / account holder | $3,375 | $6,748-50.0% | $13,987-75.9% | $5,306-36.4% |