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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 | $49,358 | $58,258-15.3% | $81,820-39.7% | $80,925-39.0% |
| Participation rate | 53.1% | 63.5%-10.4pp | 72.4%-19.3pp | 67.7%-14.6pp |
| Annual return | 13.15% | 41.76%-28.6pp | 777.93%-764.8pp | 35.65%-22.5pp |
| Employer contribution / active EE | $1,091 | $2,345-53.5% | $2,915-62.6% | $2,756-60.4% |
| Participant deferral / active EE | $3,231 | $3,284-1.6% | $4,323-25.3% | $4,299-24.8% |
| Admin fee / account holder | $1,238 | $4,976-75.1% | $7,391-83.2% | $6,940-82.2% |