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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 | $51,149 | $106,749-52.1% | $145,433-64.8% | $82,448-38.0% |
| Participation rate | 50.0% | 75.6%-25.6pp | 82.1%-32.1pp | 68.1%-18.1pp |
| Annual return | 15.16% | 27.59%-12.4pp | 66.58%-51.4pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,435 | $3,444-29.3% | $4,554-46.5% | $2,551-4.6% |
| Participant deferral / active EE | $5,414 | $6,519-16.9% | $7,897-31.4% | $4,139+30.8% |
| Admin fee / account holder | $4,219 | $8,390-49.7% | $13,129-67.9% | $7,234-41.7% |