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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 | $57,225 | $77,908-26.5% | $149,696-61.8% | $75,173-23.9% |
| Participation rate | 50.9% | 65.6%-14.7pp | 78.8%-27.9pp | 67.2%-16.3pp |
| Annual return | 27.43% | 31.73%-4.3pp | 134.46%-107.0pp | 160.72%-133.3pp |
| Employer contribution / active EE | $3,264 | $3,138+4.0% | $4,821-32.3% | $2,671+22.2% |
| Participant deferral / active EE | $3,639 | $3,411+6.7% | $5,682-36.0% | $4,126-11.8% |
| Admin fee / account holder | $2,209 | $5,950-62.9% | $13,212-83.3% | $5,651-60.9% |