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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 | $48,979 | $56,894-13.9% | $84,753-42.2% | $62,881-22.1% |
| Participation rate | 59.2% | 68.5%-9.4pp | 76.6%-17.4pp | 69.3%-10.1pp |
| Annual return | 12.83% | 6.30%+6.5pp | 22.78%-10.0pp | 20.14%-7.3pp |
| Employer contribution / active EE | $720 | $2,400-70.0% | $3,574-79.8% | $2,281-68.4% |
| Participant deferral / active EE | $1,403 | $2,709-48.2% | $3,712-62.2% | $3,203-56.2% |
| Admin fee / account holder | $10,696 | $3,581+198.7% | $5,333+100.6% | $4,296+149.0% |