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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 | $53,808 | $91,167-41.0% | $178,498-69.9% | $79,858-32.6% |
| Participation rate | 30.8% | 69.2%-38.4pp | 81.9%-51.2pp | 69.6%-38.9pp |
| Annual return | 13.55% | 24.19%-10.6pp | 151.09%-137.5pp | 31.72%-18.2pp |
| Employer contribution / active EE | $1,090 | $3,255-66.5% | $5,011-78.2% | $2,471-55.9% |
| Participant deferral / active EE | $2,475 | $3,236-23.5% | $5,202-52.4% | $3,740-33.8% |
| Admin fee / account holder | $7,614 | $6,747+12.8% | $13,985-45.6% | $5,306+43.5% |