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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 | $53,437 | $78,483-31.9% | $106,201-49.7% | $74,546-28.3% |
| Participation rate | 42.5% | 72.8%-30.3pp | 75.3%-32.8pp | 67.2%-24.7pp |
| Annual return | 12.94% | 15.94%-3.0pp | 116.26%-103.3pp | 1366.03%-1353.1pp |
| Employer contribution / active EE | $1,118 | $2,522-55.7% | $3,170-64.7% | $2,624-57.4% |
| Participant deferral / active EE | $2,554 | $4,320-40.9% | $5,012-49.1% | $4,347-41.3% |
| Admin fee / account holder | $2,816 | $2,236+26.0% | $11,039-74.5% | $1,944+44.9% |