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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 | $35,342 | $88,672-60.1% | $105,223-66.4% | $82,448-57.1% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 18.45% | 30.86%-12.4pp | 180.65%-162.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $1,626 | $3,048-46.7% | $3,689-55.9% | $2,551-36.3% |
| Participant deferral / active EE | $4,066 | $4,036+0.8% | $5,072-19.8% | $4,139-1.8% |
| Admin fee / account holder | $1,744 | $7,146-75.6% | $8,859-80.3% | $7,234-75.9% |