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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 | $114,712-34.6% | $173,730-56.8% | $87,485-14.2% |
| Participation rate | 49.2% | 73.0%-23.8pp | 79.6%-30.4pp | 68.9%-19.7pp |
| Annual return | 15.16% | 20.18%-5.0pp | 19.96%-4.8pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,428 | $2,904-50.8% | $4,577-68.8% | $2,596-45.0% |
| Participant deferral / active EE | $3,233 | $4,642-30.4% | $6,326-48.9% | $4,274-24.4% |
| Admin fee / account holder | $18,750 | $10,210+83.7% | $17,523+7.0% | $7,775+141.2% |