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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 | $55,890 | $51,638+8.2% | $68,368-18.3% | $82,448-32.2% |
| Participation rate | 52.2% | 63.6%-11.4pp | 73.8%-21.6pp | 68.1%-15.9pp |
| Annual return | 16.28% | 37.53%-21.3pp | 292.57%-276.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,028 | $2,047-49.8% | $2,649-61.2% | $2,551-59.7% |
| Participant deferral / active EE | $3,104 | $2,914+6.5% | $4,123-24.7% | $4,139-25.0% |
| Admin fee / account holder | $3,294 | $4,643-29.1% | $5,150-36.0% | $7,234-54.5% |