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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 | $64,142 | $62,177+3.2% | $81,370-21.2% | $74,478-13.9% |
| Participation rate | 46.5% | 64.1%-17.5pp | 69.5%-23.0pp | 67.2%-20.7pp |
| Annual return | 12.45% | 16.62%-4.2pp | 24.85%-12.4pp | 1370.56%-1358.1pp |
| Employer contribution / active EE | $1,584 | $1,881-15.8% | $2,464-35.7% | $2,626-39.7% |
| Participant deferral / active EE | $2,288 | $3,219-28.9% | $3,885-41.1% | $4,350-47.4% |
| Admin fee / account holder | $15,968 | $1,927+728.7% | $5,749+177.7% | $1,946+720.6% |