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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 | $55,160 | $47,922+15.1% | $75,900-27.3% | $65,186-15.4% |
| Participation rate | 46.2% | 63.0%-16.8pp | 69.3%-23.1pp | 70.2%-24.0pp |
| Annual return | 23.14% | 24.12%-1.0pp | 30.73%-7.6pp | 29.39%-6.2pp |
| Employer contribution / active EE | $1,015 | $1,557-34.8% | $2,501-59.4% | $2,177-53.4% |
| Participant deferral / active EE | $2,408 | $2,550-5.6% | $3,604-33.2% | $3,514-31.5% |
| Admin fee / account holder | $2,967 | $532+458.2% | $5,421-45.3% | $847+250.2% |