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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 | $32,882 | $98,776-66.7% | $149,745-78.0% | $79,856-58.8% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.5%-32.5pp | 69.6%-19.6pp |
| Annual return | 18.74% | 27.38%-8.6pp | 276.72%-258.0pp | 31.71%-13.0pp |
| Employer contribution / active EE | $1,720 | $3,217-46.5% | $4,646-63.0% | $2,471-30.4% |
| Participant deferral / active EE | $2,911 | $5,681-48.8% | $6,843-57.5% | $3,741-22.2% |
| Admin fee / account holder | $6,455 | $6,053+6.6% | $9,312-30.7% | $5,306+21.6% |