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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 | $56,540 | $41,016+37.8% | $152,093-62.8% | $64,097-11.8% |
| Participation rate | 35.6% | 51.3%-15.8pp | 77.8%-42.2pp | 55.2%-19.6pp |
| Annual return | 15.97% | 39.60%-23.6pp | 66.36%-50.4pp | 34.64%-18.7pp |
| Employer contribution / active EE | $992 | $1,342-26.1% | $4,175-76.2% | $1,891-47.5% |
| Participant deferral / active EE | $1,137 | $1,927-41.0% | $5,451-79.2% | $3,080-63.1% |
| Admin fee / account holder | $7,292 | $2,305+216.3% | $14,497-49.7% | $3,454+111.1% |