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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 | $75,064 | $115,931-35.3% | $185,441-59.5% | $86,983-13.7% |
| Participation rate | 49.2% | 73.6%-24.4pp | 80.3%-31.1pp | 69.5%-20.3pp |
| Annual return | 15.16% | 21.47%-6.3pp | 20.16%-5.0pp | 25.83%-10.7pp |
| Employer contribution / active EE | $1,428 | $2,937-51.4% | $4,672-69.4% | $2,584-44.7% |
| Participant deferral / active EE | $3,233 | $4,551-29.0% | $6,152-47.5% | $4,194-22.9% |
| Admin fee / account holder | $18,750 | $10,687+75.5% | $17,890+4.8% | $7,856+138.7% |