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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 | $50,366 | $56,438-10.8% | $76,902-34.5% | $71,529-29.6% |
| Participation rate | 50.5% | 64.3%-13.8pp | 69.6%-19.1pp | 67.9%-17.5pp |
| Annual return | 19.10% | 19.05%+0.1pp | 37.91%-18.8pp | 28.97%-9.9pp |
| Employer contribution / active EE | $1,640 | $1,864-12.0% | $2,534-35.3% | $2,590-36.7% |
| Participant deferral / active EE | $2,991 | $3,136-4.6% | $3,833-22.0% | $4,291-30.3% |
| Admin fee / account holder | $4,769 | $1,430+233.4% | $5,479-13.0% | $1,588+200.2% |