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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 | $51,075 | $60,442-15.5% | $96,754-47.2% | $87,485-41.6% |
| Participation rate | 54.5% | 58.7%-4.2pp | 70.3%-15.7pp | 68.9%-14.4pp |
| Annual return | 17.57% | 21.97%-4.4pp | 82.04%-64.5pp | 26.06%-8.5pp |
| Employer contribution / active EE | $1,117 | $1,691-33.9% | $2,679-58.3% | $2,596-57.0% |
| Participant deferral / active EE | $2,158 | $3,280-34.2% | $4,758-54.6% | $4,274-49.5% |
| Admin fee / account holder | $2,436 | $5,069-51.9% | $8,905-72.6% | $7,775-68.7% |