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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 | $108,825-31.0% | $156,181-51.9% | $82,448-9.0% |
| Participation rate | 49.2% | 72.4%-23.2pp | 78.8%-29.6pp | 68.1%-18.9pp |
| Annual return | 15.16% | 20.59%-5.4pp | 64.87%-49.7pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,428 | $2,870-50.2% | $4,294-66.7% | $2,551-44.0% |
| Participant deferral / active EE | $3,233 | $4,577-29.4% | $6,132-47.3% | $4,139-21.9% |
| Admin fee / account holder | $18,750 | $9,341+100.7% | $14,586+28.5% | $7,234+159.2% |