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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 | $55,204 | $108,825-49.3% | $156,181-64.7% | $82,448-33.0% |
| Participation rate | 48.7% | 72.4%-23.6pp | 78.8%-30.1pp | 68.1%-19.3pp |
| Annual return | 35.17% | 20.59%+14.6pp | 64.87%-29.7pp | 41.64%-6.5pp |
| Employer contribution / active EE | $1,942 | $2,870-32.3% | $4,294-54.8% | $2,551-23.9% |
| Participant deferral / active EE | $3,769 | $4,577-17.7% | $6,132-38.5% | $4,139-8.9% |
| Admin fee / account holder | $4,515 | $9,341-51.7% | $14,586-69.0% | $7,234-37.6% |