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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 | $57,449 | $98,760-41.8% | $149,715-61.6% | $79,858-28.1% |
| Participation rate | 46.9% | 75.8%-28.9pp | 82.5%-35.6pp | 69.6%-22.8pp |
| Annual return | 17.03% | 27.43%-10.4pp | 276.66%-259.6pp | 31.72%-14.7pp |
| Employer contribution / active EE | $2,026 | $3,217-37.0% | $4,645-56.4% | $2,471-18.0% |
| Participant deferral / active EE | $4,165 | $5,681-26.7% | $6,842-39.1% | $3,740+11.4% |
| Admin fee / account holder | $9,815 | $6,053+62.1% | $9,310+5.4% | $5,306+85.0% |