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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 | $58,734 | $77,901-24.6% | $149,717-60.8% | $75,181-21.9% |
| Participation rate | 43.8% | 65.6%-21.8pp | 78.8%-35.0pp | 67.2%-23.4pp |
| Annual return | 14.58% | 31.73%-17.2pp | 134.41%-119.8pp | 160.69%-146.1pp |
| Employer contribution / active EE | $1,783 | $3,137-43.2% | $4,820-63.0% | $2,671-33.2% |
| Participant deferral / active EE | $2,417 | $3,411-29.1% | $5,682-57.5% | $4,126-41.4% |
| Admin fee / account holder | $17,951 | $5,949+201.7% | $13,213+35.9% | $5,650+217.7% |