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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 | $52,152 | $78,428-33.5% | $95,960-45.7% | $79,852-34.7% |
| Participation rate | 52.6% | 73.5%-20.9pp | 77.1%-24.4pp | 69.6%-17.0pp |
| Annual return | 17.31% | 19.37%-2.1pp | 91.63%-74.3pp | 31.72%-14.4pp |
| Employer contribution / active EE | $1,348 | $1,945-30.7% | $2,541-47.0% | $2,471-45.5% |
| Participant deferral / active EE | $4,118 | $3,440+19.7% | $4,167-1.2% | $3,740+10.1% |
| Admin fee / account holder | $2,986 | $5,622-46.9% | $6,797-56.1% | $5,306-43.7% |