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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 | $28,833 | $52,580-45.2% | $71,671-59.8% | $70,126-58.9% |
| Participation rate | 55.4% | 60.9%-5.5pp | 68.7%-13.4pp | 69.5%-14.2pp |
| Annual return | 13.78% | 20.25%-6.5pp | 20.65%-6.9pp | 73.15%-59.4pp |
| Employer contribution / active EE | $1,100 | $1,616-31.9% | $2,460-55.3% | $2,343-53.1% |
| Participant deferral / active EE | $1,720 | $2,386-27.9% | $3,438-50.0% | $3,332-48.4% |
| Admin fee / account holder | $1,506 | $3,653-58.8% | $5,558-72.9% | $4,645-67.6% |