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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 | $12,658 | $48,053-73.7% | $84,628-85.0% | $72,975-82.7% |
| Participation rate | 49.2% | 57.6%-8.4pp | 68.2%-19.0pp | 69.5%-20.3pp |
| Annual return | 31.41% | 37.39%-6.0pp | 258.80%-227.4pp | 81.01%-49.6pp |
| Employer contribution / active EE | $1,257 | $1,602-21.5% | $2,653-52.6% | $2,440-48.5% |
| Participant deferral / active EE | $2,484 | $2,681-7.3% | $3,900-36.3% | $3,608-31.2% |
| Admin fee / account holder | $3,150 | $3,395-7.2% | $4,914-35.9% | $5,124-38.5% |