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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 | $54,248 | $60,442-10.2% | $96,754-43.9% | $87,485-38.0% |
| Participation rate | 54.2% | 58.7%-4.5pp | 70.3%-16.1pp | 68.9%-14.8pp |
| Annual return | 15.55% | 21.97%-6.4pp | 82.04%-66.5pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,018 | $1,691-39.8% | $2,679-62.0% | $2,596-60.8% |
| Participant deferral / active EE | $3,702 | $3,280+12.9% | $4,758-22.2% | $4,274-13.4% |
| Admin fee / account holder | $23,844 | $5,069+370.4% | $8,905+167.8% | $7,775+206.7% |