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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 | $39,060 | $71,197-45.1% | $93,669-58.3% | $80,925-51.7% |
| Participation rate | 50.9% | 60.4%-9.5pp | 68.7%-17.8pp | 67.7%-16.8pp |
| Annual return | 13.75% | 11.27%+2.5pp | 133.59%-119.8pp | 35.65%-21.9pp |
| Employer contribution / active EE | $1,094 | $1,565-30.1% | $2,424-54.8% | $2,756-60.3% |
| Participant deferral / active EE | $1,824 | $4,036-54.8% | $4,416-58.7% | $4,299-57.6% |
| Admin fee / account holder | $1,332 | $6,959-80.9% | $8,291-83.9% | $6,940-80.8% |