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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 | $55,354 | $106,524-48.0% | $152,301-63.7% | $87,485-36.7% |
| Participation rate | 66.0% | 75.8%-9.8pp | 82.4%-16.5pp | 68.9%-3.0pp |
| Annual return | 14.60% | 26.89%-12.3pp | 80.50%-65.9pp | 26.06%-11.5pp |
| Employer contribution / active EE | $1,424 | $3,371-57.8% | $4,624-69.2% | $2,596-45.2% |
| Participant deferral / active EE | $2,628 | $6,525-59.7% | $8,004-67.2% | $4,274-38.5% |
| Admin fee / account holder | $12,529 | $8,287+51.2% | $14,398-13.0% | $7,775+61.2% |