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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 | $38,975 | $65,712-40.7% | $57,196-31.9% | $273,972-85.8% |
| Participation rate | 50.0% | 78.3%-28.3pp | 75.3%-25.3pp | 83.0%-33.0pp |
| Annual return | 12.39% | 22.01%-9.6pp | 14.59%-2.2pp | 41.46%-29.1pp |
| Employer contribution / active EE | $3,995 | $3,280+21.8% | $2,683+48.9% | $4,869-17.9% |
| Participant deferral / active EE | $6,500 | $3,782+71.9% | $3,096+109.9% | $5,287+22.9% |
| Admin fee / account holder | $498 | $4,838-89.7% | $3,141-84.1% | $10,133-95.1% |