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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 | $106,524-72.2% | $152,301-80.6% | $87,485-66.2% |
| Participation rate | 52.3% | 75.8%-23.5pp | 82.4%-30.2pp | 68.9%-16.7pp |
| Annual return | 15.61% | 26.89%-11.3pp | 80.50%-64.9pp | 26.06%-10.5pp |
| Employer contribution / active EE | $2,083 | $3,371-38.2% | $4,624-55.0% | $2,596-19.8% |
| Participant deferral / active EE | $2,824 | $6,525-56.7% | $8,004-64.7% | $4,274-33.9% |
| Admin fee / account holder | $10,716 | $8,287+29.3% | $14,398-25.6% | $7,775+37.8% |