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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 | $80,413 | $114,712-29.9% | $173,730-53.7% | $87,485-8.1% |
| Participation rate | 52.3% | 73.0%-20.7pp | 79.6%-27.2pp | 68.9%-16.6pp |
| Annual return | 19.02% | 20.18%-1.2pp | 19.96%-0.9pp | 26.06%-7.0pp |
| Employer contribution / active EE | $1,206 | $2,904-58.5% | $4,577-73.7% | $2,596-53.6% |
| Participant deferral / active EE | $3,295 | $4,642-29.0% | $6,326-47.9% | $4,274-22.9% |
| Admin fee / account holder | $28,806 | $10,210+182.1% | $17,523+64.4% | $7,775+270.5% |