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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 | $50,468 | $74,535-32.3% | $100,712-49.9% | $82,637-38.9% |
| Participation rate | 22.2% | 61.2%-39.0pp | 69.3%-47.1pp | 68.1%-45.8pp |
| Annual return | 15.22% | 18.92%-3.7pp | 33.27%-18.0pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,756 | $1,503+16.9% | $2,313-24.1% | $2,552-31.2% |
| Participant deferral / active EE | $1,631 | $3,074-46.9% | $4,085-60.1% | $4,126-60.5% |
| Admin fee / account holder | $10,231 | $6,576+55.6% | $9,256+10.5% | $7,339+39.4% |