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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 | $37,111 | $58,493-36.6% | $84,021-55.8% | $72,975-49.1% |
| Participation rate | 46.7% | 61.2%-14.6pp | 69.0%-22.4pp | 69.5%-22.8pp |
| Annual return | 16.95% | 28.93%-12.0pp | 71.32%-54.4pp | 81.01%-64.1pp |
| Employer contribution / active EE | $1,563 | $1,163+34.4% | $1,984-21.2% | $2,440-36.0% |
| Participant deferral / active EE | $3,521 | $2,394+47.1% | $3,239+8.7% | $3,608-2.4% |
| Admin fee / account holder | $15,668 | $4,569+243.0% | $6,102+156.8% | $5,124+205.8% |