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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 | $45,431 | $81,457-44.2% | $103,378-56.1% | $80,911-43.8% |
| Participation rate | 51.3% | 66.8%-15.6pp | 74.5%-23.2pp | 67.6%-16.4pp |
| Annual return | 17.11% | 25.58%-8.5pp | 24.91%-7.8pp | 35.63%-18.5pp |
| Employer contribution / active EE | $1,482 | $3,107-52.3% | $3,870-61.7% | $2,756-46.2% |
| Participant deferral / active EE | $2,561 | $3,871-33.8% | $5,058-49.4% | $4,297-40.4% |
| Admin fee / account holder | $15,092 | $6,717+124.7% | $8,401+79.6% | $6,935+117.6% |