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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 | $51,208 | $54,541-6.1% | $78,778-35.0% | $70,126-27.0% |
| Participation rate | 35.5% | 60.8%-25.3pp | 69.2%-33.7pp | 69.5%-34.0pp |
| Annual return | 15.58% | 21.07%-5.5pp | 35.62%-20.0pp | 73.15%-57.6pp |
| Employer contribution / active EE | $436 | $1,089-59.9% | $1,986-78.0% | $2,343-81.4% |
| Participant deferral / active EE | $1,562 | $2,210-29.3% | $2,958-47.2% | $3,332-53.1% |
| Admin fee / account holder | $10,499 | $3,709+183.1% | $5,134+104.5% | $4,645+126.0% |