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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 | $62,088 | $77,817-20.2% | $123,553-49.7% | $64,173-3.2% |
| Participation rate | 49.1% | 74.7%-25.6pp | 82.3%-33.2pp | 69.6%-20.5pp |
| Annual return | 2.88% | 12.49%-9.6pp | 119.21%-116.3pp | 7.63%-4.8pp |
| Employer contribution / active EE | $2,212 | $3,014-26.6% | $4,628-52.2% | $2,381-7.1% |
| Participant deferral / active EE | $5,810 | $5,240+10.9% | $6,426-9.6% | $3,470+67.5% |
| Admin fee / account holder | $6,587 | $5,519+19.4% | $9,284-29.1% | $4,887+34.8% |