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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 | $47,120 | $58,851-19.9% | $115,170-59.1% | $72,975-35.4% |
| Participation rate | 39.7% | 65.5%-25.8pp | 75.9%-36.2pp | 69.5%-29.8pp |
| Annual return | 17.13% | 23.16%-6.0pp | 35.60%-18.5pp | 81.01%-63.9pp |
| Employer contribution / active EE | $1,239 | $1,798-31.1% | $3,179-61.0% | $2,440-49.2% |
| Participant deferral / active EE | $2,575 | $2,643-2.6% | $4,169-38.2% | $3,608-28.6% |
| Admin fee / account holder | $12,363 | $6,370+94.1% | $7,089+74.4% | $5,124+141.3% |