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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 | $31,231 | $77,920-59.9% | $149,723-79.1% | $75,177-58.5% |
| Participation rate | 62.0% | 65.6%-3.6pp | 78.8%-16.8pp | 67.2%-5.2pp |
| Annual return | 16.59% | 31.72%-15.1pp | 134.50%-117.9pp | 160.75%-144.2pp |
| Employer contribution / active EE | $1,117 | $3,138-64.4% | $4,821-76.8% | $2,671-58.2% |
| Participant deferral / active EE | $2,735 | $3,411-19.8% | $5,682-51.9% | $4,126-33.7% |
| Admin fee / account holder | $10,828 | $5,951+82.0% | $13,215-18.1% | $5,651+91.6% |