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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 | $55,003 | $81,504-32.5% | $102,437-46.3% | $80,959-32.1% |
| Participation rate | 62.5% | 66.9%-4.4pp | 74.5%-12.0pp | 67.7%-5.2pp |
| Annual return | 18.20% | 25.60%-7.4pp | 24.95%-6.7pp | 35.67%-17.5pp |
| Employer contribution / active EE | $2,308 | $3,104-25.6% | $3,871-40.4% | $2,757-16.3% |
| Participant deferral / active EE | $1,807 | $3,871-53.3% | $5,060-64.3% | $4,300-58.0% |
| Admin fee / account holder | $38,690 | $6,719+475.8% | $8,388+361.3% | $6,925+458.7% |