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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 | $51,316 | $78,690-34.8% | $161,489-68.2% | $87,485-41.3% |
| Participation rate | 51.5% | 67.5%-15.9pp | 78.7%-27.2pp | 68.9%-17.4pp |
| Annual return | 15.08% | 32.74%-17.7pp | 89.72%-74.6pp | 26.06%-11.0pp |
| Employer contribution / active EE | $1,080 | $2,588-58.3% | $4,268-74.7% | $2,596-58.4% |
| Participant deferral / active EE | $4,862 | $3,311+46.9% | $5,630-13.6% | $4,274+13.8% |
| Admin fee / account holder | $780 | $6,724-88.4% | $16,006-95.1% | $7,775-90.0% |