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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 | $62,753 | $77,920-19.5% | $149,723-58.1% | $75,177-16.5% |
| Participation rate | 46.9% | 65.6%-18.7pp | 78.8%-31.9pp | 67.2%-20.3pp |
| Annual return | 14.03% | 31.72%-17.7pp | 134.50%-120.5pp | 160.75%-146.7pp |
| Employer contribution / active EE | $1,196 | $3,138-61.9% | $4,821-75.2% | $2,671-55.2% |
| Participant deferral / active EE | $2,370 | $3,411-30.5% | $5,682-58.3% | $4,126-42.6% |
| Admin fee / account holder | $12,490 | $5,951+109.9% | $13,215-5.5% | $5,651+121.0% |