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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 | $49,332 | $57,057-13.5% | $85,009-42.0% | $80,874-39.0% |
| Participation rate | 35.0% | 56.4%-21.4pp | 67.5%-32.5pp | 67.6%-32.6pp |
| Annual return | 11.23% | 21.66%-10.4pp | 66.47%-55.2pp | 35.62%-24.4pp |
| Employer contribution / active EE | $1,200 | $1,799-33.3% | $2,728-56.0% | $2,756-56.5% |
| Participant deferral / active EE | $2,083 | $3,112-33.1% | $4,522-53.9% | $4,297-51.5% |
| Admin fee / account holder | $1,198 | $4,986-76.0% | $6,153-80.5% | $6,935-82.7% |