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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 | $58,826 | $51,466+14.3% | $78,778-25.3% | $62,293-5.6% |
| Participation rate | 51.2% | 59.8%-8.6pp | 69.2%-18.0pp | 69.5%-18.3pp |
| Annual return | 15.29% | 19.96%-4.7pp | 35.62%-20.3pp | 28.90%-13.6pp |
| Employer contribution / active EE | $756 | $827-8.7% | $1,986-61.9% | $2,042-63.0% |
| Participant deferral / active EE | $2,927 | $2,147+36.3% | $2,958-1.1% | $3,169-7.6% |
| Admin fee / account holder | $2,402 | $489+390.9% | $5,134-53.2% | $479+401.1% |