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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 | $28,918 | $104,251-72.3% | $91,004-68.2% | $147,586-80.4% |
| Participation rate | 46.2% | 78.2%-32.1pp | 75.6%-29.4pp | 82.8%-36.7pp |
| Annual return | 15.47% | 27.06%-11.6pp | 4.60%+10.9pp | 578.59%-563.1pp |
| Employer contribution / active EE | $1,404 | $3,116-54.9% | $2,456-42.8% | $4,876-71.2% |
| Participant deferral / active EE | $3,490 | $4,195-16.8% | $3,548-1.6% | $5,439-35.8% |
| Admin fee / account holder | $17,946 | $8,948+100.6% | $5,417+231.3% | $10,886+64.9% |