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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 | $55,464 | $83,369-33.5% | $105,223-47.3% | $67,986-18.4% |
| Participation rate | 36.5% | 56.3%-19.8pp | 75.0%-38.6pp | 57.2%-20.7pp |
| Annual return | 16.03% | 24.64%-8.6pp | 180.65%-164.6pp | 31.67%-15.6pp |
| Employer contribution / active EE | $1,121 | $2,541-55.9% | $3,689-69.6% | $2,019-44.5% |
| Participant deferral / active EE | $1,962 | $3,295-40.5% | $5,072-61.3% | $3,358-41.6% |
| Admin fee / account holder | $1,240 | $4,073-69.5% | $8,859-86.0% | $3,203-61.3% |