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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 | $73,787-31.6% | $98,716-48.9% | $82,448-38.8% |
| Participation rate | 22.2% | 61.4%-39.2pp | 69.3%-47.1pp | 68.1%-45.8pp |
| Annual return | 15.22% | 18.57%-3.3pp | 31.81%-16.6pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,756 | $1,511+16.2% | $2,279-22.9% | $2,551-31.2% |
| Participant deferral / active EE | $1,631 | $3,081-47.1% | $4,048-59.7% | $4,139-60.6% |
| Admin fee / account holder | $10,231 | $6,500+57.4% | $8,703+17.6% | $7,234+41.4% |