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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 | $47,260 | $78,690-39.9% | $161,489-70.7% | $87,485-46.0% |
| Participation rate | 55.7% | 67.5%-11.8pp | 78.7%-23.0pp | 68.9%-13.2pp |
| Annual return | 16.63% | 32.74%-16.1pp | 89.72%-73.1pp | 26.06%-9.4pp |
| Employer contribution / active EE | $1,491 | $2,588-42.4% | $4,268-65.1% | $2,596-42.6% |
| Participant deferral / active EE | $3,148 | $3,311-4.9% | $5,630-44.1% | $4,274-26.3% |
| Admin fee / account holder | $3,607 | $6,724-46.4% | $16,006-77.5% | $7,775-53.6% |