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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 | $57,093 | $81,334-29.8% | $113,397-49.7% | $64,097-10.9% |
| Participation rate | 55.6% | 65.6%-10.0pp | 76.5%-20.9pp | 55.2%+0.5pp |
| Annual return | 13.68% | 32.50%-18.8pp | 23.20%-9.5pp | 34.64%-21.0pp |
| Employer contribution / active EE | $1,506 | $2,077-27.5% | $2,977-49.4% | $1,891-20.4% |
| Participant deferral / active EE | $2,728 | $3,795-28.1% | $5,076-46.3% | $3,080-11.4% |
| Admin fee / account holder | $9,194 | $4,208+118.5% | $11,957-23.1% | $3,454+166.1% |