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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 | $54,200 | $43,075+25.8% | $74,577-27.3% | $62,881-13.8% |
| Participation rate | 52.9% | 58.1%-5.1pp | 68.1%-15.2pp | 69.3%-16.4pp |
| Annual return | 5.05% | 17.50%-12.4pp | 20.47%-15.4pp | 20.14%-15.1pp |
| Employer contribution / active EE | $2,163 | $1,498+44.4% | $2,525-14.4% | $2,281-5.2% |
| Participant deferral / active EE | $4,810 | $2,389+101.3% | $3,458+39.1% | $3,203+50.2% |
| Admin fee / account holder | $13,751 | $2,840+384.2% | $4,138+232.3% | $4,296+220.1% |