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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 | $42,457 | $59,440-28.6% | $78,004-45.6% | $82,637-48.6% |
| Participation rate | 50.0% | 62.8%-12.8pp | 69.4%-19.4pp | 68.1%-18.1pp |
| Annual return | 16.73% | 40.24%-23.5pp | 31.07%-14.3pp | 53.51%-36.8pp |
| Employer contribution / active EE | $550 | $1,750-68.6% | $2,469-77.7% | $2,552-78.4% |
| Participant deferral / active EE | $1,363 | $3,138-56.6% | $4,092-66.7% | $4,126-67.0% |
| Admin fee / account holder | $2,212 | $5,504-59.8% | $7,578-70.8% | $7,339-69.9% |