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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 | $53,027 | $104,694-49.4% | $85,709-38.1% | $167,536-68.3% |
| Participation rate | 57.1% | 76.4%-19.2pp | 69.9%-12.7pp | 82.1%-25.0pp |
| Annual return | 14.09% | 21.45%-7.4pp | 21.49%-7.4pp | 478.82%-464.7pp |
| Employer contribution / active EE | $1,626 | $3,337-51.3% | $2,619-37.9% | $4,839-66.4% |
| Participant deferral / active EE | $4,403 | $4,826-8.8% | $3,924+12.2% | $6,342-30.6% |
| Admin fee / account holder | $16,276 | $10,035+62.2% | $6,876+136.7% | $12,315+32.2% |