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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 | $58,053 | $91,198-36.3% | $178,503-67.5% | $79,856-27.3% |
| Participation rate | 47.6% | 69.2%-21.6pp | 81.9%-34.3pp | 69.6%-22.0pp |
| Annual return | 20.26% | 24.20%-3.9pp | 151.12%-130.9pp | 31.71%-11.4pp |
| Employer contribution / active EE | $1,756 | $3,257-46.1% | $5,011-65.0% | $2,471-29.0% |
| Participant deferral / active EE | $3,203 | $3,237-1.0% | $5,202-38.4% | $3,741-14.4% |
| Admin fee / account holder | $699 | $6,748-89.6% | $13,987-95.0% | $5,306-86.8% |