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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 | $29,600 | $106,749-72.3% | $145,433-79.6% | $82,448-64.1% |
| Participation rate | 52.3% | 75.6%-23.4pp | 82.1%-29.8pp | 68.1%-15.8pp |
| Annual return | 15.61% | 27.59%-12.0pp | 66.58%-51.0pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,083 | $3,444-39.5% | $4,554-54.3% | $2,551-18.3% |
| Participant deferral / active EE | $2,824 | $6,519-56.7% | $7,897-64.2% | $4,139-31.8% |
| Admin fee / account holder | $10,716 | $8,390+27.7% | $13,129-18.4% | $7,234+48.1% |