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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 | $53,273 | $81,233-34.4% | $155,567-65.8% | $80,874-34.1% |
| Participation rate | 49.0% | 66.2%-17.2pp | 78.2%-29.2pp | 67.6%-18.6pp |
| Annual return | 18.28% | 33.33%-15.0pp | 64.74%-46.5pp | 35.62%-17.3pp |
| Employer contribution / active EE | $1,587 | $3,101-48.8% | $4,674-66.0% | $2,756-42.4% |
| Participant deferral / active EE | $3,827 | $3,452+10.9% | $5,628-32.0% | $4,297-10.9% |
| Admin fee / account holder | $1,594 | $7,998-80.1% | $15,916-90.0% | $6,935-77.0% |