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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 | $42,272 | $54,757-22.8% | $90,304-53.2% | $72,975-42.1% |
| Participation rate | 50.0% | 65.2%-15.2pp | 73.3%-23.3pp | 69.5%-19.5pp |
| Annual return | 17.30% | 30.63%-13.3pp | 78.13%-60.8pp | 81.01%-63.7pp |
| Employer contribution / active EE | $961 | $2,093-54.1% | $2,855-66.3% | $2,440-60.6% |
| Participant deferral / active EE | $2,466 | $2,887-14.6% | $3,885-36.5% | $3,608-31.7% |
| Admin fee / account holder | $4,532 | $3,973+14.1% | $5,354-15.4% | $5,124-11.6% |