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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 | $38,170 | $89,259-57.2% | $107,187-64.4% | $82,637-53.8% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 28.07% | 21.02%+7.0pp | 204.55%-176.5pp | 53.51%-25.4pp |
| Employer contribution / active EE | $1,675 | $3,080-45.6% | $3,782-55.7% | $2,552-34.4% |
| Participant deferral / active EE | $2,440 | $4,037-39.6% | $5,096-52.1% | $4,126-40.9% |
| Admin fee / account holder | $1,228 | $7,381-83.4% | $9,162-86.6% | $7,339-83.3% |