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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 | $51,882 | $55,889-7.2% | $76,119-31.8% | $80,935-35.9% |
| Participation rate | 57.7% | 62.1%-4.4pp | 69.1%-11.4pp | 67.7%-10.0pp |
| Annual return | 12.69% | 20.58%-7.9pp | 361.25%-348.6pp | 35.66%-23.0pp |
| Employer contribution / active EE | $1,190 | $1,866-36.2% | $2,693-55.8% | $2,757-56.8% |
| Participant deferral / active EE | $2,628 | $3,051-13.9% | $4,259-38.3% | $4,299-38.9% |
| Admin fee / account holder | $19,080 | $5,241+264.0% | $6,421+197.1% | $6,924+175.5% |