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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 | $62,166+3.2% | $81,286-21.1% | $74,429-13.8% |
| Participation rate | 46.5% | 64.1%-17.5pp | 69.5%-23.0pp | 67.2%-20.7pp |
| Annual return | 12.45% | 16.50%-4.0pp | 24.80%-12.3pp | 1368.38%-1355.9pp |
| Employer contribution / active EE | $1,584 | $1,881-15.8% | $2,463-35.7% | $2,625-39.6% |
| Participant deferral / active EE | $2,288 | $3,223-29.0% | $3,883-41.1% | $4,348-47.4% |
| Admin fee / account holder | $15,968 | $1,925+729.7% | $5,764+177.0% | $1,944+721.3% |