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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 | $57,590-5.8% | $86,233-37.1% | $82,448-34.2% |
| Participation rate | 54.2% | 57.9%-3.7pp | 69.0%-14.9pp | 68.1%-13.9pp |
| Annual return | 15.55% | 22.41%-6.9pp | 61.39%-45.8pp | 41.64%-26.1pp |
| Employer contribution / active EE | $1,018 | $1,655-38.5% | $2,504-59.4% | $2,551-60.1% |
| Participant deferral / active EE | $3,702 | $3,080+20.2% | $4,559-18.8% | $4,139-10.6% |
| Admin fee / account holder | $23,844 | $4,730+404.1% | $8,342+185.8% | $7,234+229.6% |