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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 | $54,119 | $54,380-0.5% | $68,509-21.0% | $59,633-9.2% |
| Participation rate | 52.2% | 70.2%-18.0pp | 74.7%-22.5pp | 68.7%-16.4pp |
| Annual return | 12.10% | 2.83%+9.3pp | 8.27%+3.8pp | 2041.45%-2029.3pp |
| Employer contribution / active EE | $1,427 | $1,539-7.3% | $2,278-37.4% | $2,203-35.2% |
| Participant deferral / active EE | $2,408 | $2,643-8.9% | $3,382-28.8% | $3,192-24.5% |
| Admin fee / account holder | $11,388 | $3,885+193.1% | $5,275+115.9% | $4,297+165.0% |