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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 | $28,474 | $57,541-50.5% | $95,740-70.3% | $75,173-62.1% |
| Participation rate | 50.0% | 62.5%-12.5pp | 72.3%-22.3pp | 67.2%-17.2pp |
| Annual return | 15.81% | 34.93%-19.1pp | 28.41%-12.6pp | 160.72%-144.9pp |
| Employer contribution / active EE | $1,550 | $1,808-14.3% | $2,836-45.4% | $2,671-42.0% |
| Participant deferral / active EE | $3,077 | $3,074+0.1% | $4,244-27.5% | $4,126-25.4% |
| Admin fee / account holder | $11,357 | $4,099+177.1% | $5,676+100.1% | $5,651+101.0% |