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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 | $55,246 | $37,156+48.7% | $83,854-34.1% | $86,983-36.5% |
| Participation rate | 43.8% | 49.1%-5.3pp | 59.1%-15.4pp | 69.5%-25.8pp |
| Annual return | 18.06% | 29.88%-11.8pp | 31.39%-13.3pp | 25.83%-7.8pp |
| Employer contribution / active EE | $1,036 | $661+56.8% | $1,017+1.9% | $2,584-59.9% |
| Participant deferral / active EE | $1,973 | $1,418+39.2% | $2,035-3.1% | $4,194-53.0% |
| Admin fee / account holder | $2,112 | $2,510-15.8% | $3,197-33.9% | $7,856-73.1% |