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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 | $53,935 | $91,167-40.8% | $178,498-69.8% | $79,858-32.5% |
| Participation rate | 63.3% | 69.2%-5.9pp | 81.9%-18.6pp | 69.6%-6.3pp |
| Annual return | 13.52% | 24.19%-10.7pp | 151.09%-137.6pp | 31.72%-18.2pp |
| Employer contribution / active EE | $1,112 | $3,255-65.9% | $5,011-77.8% | $2,471-55.0% |
| Participant deferral / active EE | $2,164 | $3,236-33.1% | $5,202-58.4% | $3,740-42.1% |
| Admin fee / account holder | $8,414 | $6,747+24.7% | $13,985-39.8% | $5,306+58.6% |