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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 | $78,636-32.0% | $105,607-49.4% | $74,459-28.2% |
| Participation rate | 42.5% | 72.8%-30.2pp | 75.3%-32.8pp | 67.2%-24.7pp |
| Annual return | 12.94% | 15.96%-3.0pp | 116.11%-103.2pp | 1369.70%-1356.8pp |
| Employer contribution / active EE | $1,118 | $2,523-55.7% | $3,167-64.7% | $2,626-57.4% |
| Participant deferral / active EE | $2,554 | $4,322-40.9% | $5,011-49.0% | $4,350-41.3% |
| Admin fee / account holder | $2,816 | $2,220+26.8% | $10,958-74.3% | $1,945+44.8% |