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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 | $47,330 | $36,002+31.5% | $161,489-70.7% | $64,728-26.9% |
| Participation rate | 29.1% | 57.4%-28.3pp | 78.7%-49.6pp | 57.9%-28.8pp |
| Annual return | 18.42% | 33.93%-15.5pp | 89.72%-71.3pp | 49.38%-31.0pp |
| Employer contribution / active EE | $1,455 | $1,380+5.5% | $4,268-65.9% | $2,243-35.1% |
| Participant deferral / active EE | $2,802 | $1,815+54.4% | $5,630-50.2% | $2,729+2.7% |
| Admin fee / account holder | $7,840 | $931+742.5% | $16,006-51.0% | $1,145+584.6% |