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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 | $34,094 | $77,164-55.8% | $178,014-80.8% | $80,874-57.8% |
| Participation rate | 50.9% | 65.7%-14.8pp | 77.1%-26.1pp | 67.6%-16.7pp |
| Annual return | 11.30% | 18.09%-6.8pp | 294.80%-283.5pp | 35.62%-24.3pp |
| Employer contribution / active EE | $2,269 | $2,288-0.8% | $3,950-42.6% | $2,756-17.7% |
| Participant deferral / active EE | $4,624 | $4,408+4.9% | $6,276-26.3% | $4,297+7.6% |
| Admin fee / account holder | $2,842 | $7,164-60.3% | $10,362-72.6% | $6,935-59.0% |