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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 | $55,739 | $59,584-6.5% | $86,615-35.6% | $79,391-29.8% |
| Participation rate | 45.1% | 67.7%-22.6pp | 71.6%-26.5pp | 70.7%-25.6pp |
| Annual return | 15.87% | 23.15%-7.3pp | 63.51%-47.6pp | 116.88%-101.0pp |
| Employer contribution / active EE | $1,302 | $1,768-26.3% | $2,496-47.8% | $2,428-46.4% |
| Participant deferral / active EE | $2,330 | $3,036-23.3% | $3,699-37.0% | $4,046-42.4% |
| Admin fee / account holder | $4,204 | $604+595.8% | $5,830-27.9% | $627+571.0% |