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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 | $29,929 | $46,877-36.2% | $122,354-75.5% | $70,124-57.3% |
| Participation rate | 50.0% | 58.2%-8.2pp | 71.6%-21.6pp | 69.5%-19.5pp |
| Annual return | 15.82% | 24.22%-8.4pp | 30.28%-14.5pp | 73.14%-57.3pp |
| Employer contribution / active EE | $1,073 | $1,288-16.7% | $4,051-73.5% | $2,342-54.2% |
| Participant deferral / active EE | $2,398 | $2,167+10.6% | $3,287-27.0% | $3,332-28.0% |
| Admin fee / account holder | $4,070 | $3,324+22.5% | $5,479-25.7% | $4,645-12.4% |