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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 | $52,179 | $75,541-30.9% | $152,093-65.7% | $82,637-36.9% |
| Participation rate | 50.0% | 66.5%-16.5pp | 77.8%-27.8pp | 68.1%-18.1pp |
| Annual return | 13.61% | 32.56%-18.9pp | 66.36%-52.7pp | 53.51%-39.9pp |
| Employer contribution / active EE | $1,574 | $2,622-40.0% | $4,175-62.3% | $2,552-38.3% |
| Participant deferral / active EE | $3,311 | $3,206+3.3% | $5,451-39.3% | $4,126-19.8% |
| Admin fee / account holder | $14,830 | $6,405+131.5% | $14,497+2.3% | $7,339+102.1% |