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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 | $50,478 | $61,816-18.3% | $97,260-48.1% | $80,935-37.6% |
| Participation rate | 53.6% | 63.5%-9.9pp | 72.7%-19.1pp | 67.7%-14.1pp |
| Annual return | 12.93% | -558.73%+571.7pp | 75.54%-62.6pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,213 | $1,836-33.9% | $2,721-55.4% | $2,757-56.0% |
| Participant deferral / active EE | $2,459 | $3,027-18.8% | $4,262-42.3% | $4,299-42.8% |
| Admin fee / account holder | $2,993 | $5,166-42.1% | $5,640-46.9% | $6,924-56.8% |