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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 | $24,202 | $58,848-58.9% | $88,179-72.6% | $82,637-70.7% |
| Participation rate | 54.2% | 57.9%-3.7pp | 69.1%-14.9pp | 68.1%-13.8pp |
| Annual return | 17.08% | 22.76%-5.7pp | 64.97%-47.9pp | 53.51%-36.4pp |
| Employer contribution / active EE | $1,532 | $1,678-8.7% | $2,549-39.9% | $2,552-40.0% |
| Participant deferral / active EE | $2,961 | $3,124-5.2% | $4,614-35.8% | $4,126-28.2% |
| Admin fee / account holder | $5,303 | $4,795+10.6% | $7,673-30.9% | $7,339-27.7% |