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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 | $54,126 | $91,179-40.6% | $178,499-69.7% | $79,852-32.2% |
| Participation rate | 45.5% | 69.2%-23.8pp | 81.9%-36.5pp | 69.6%-24.2pp |
| Annual return | 15.45% | 24.19%-8.7pp | 151.10%-135.7pp | 31.72%-16.3pp |
| Employer contribution / active EE | $1,575 | $3,256-51.6% | $5,011-68.6% | $2,471-36.3% |
| Participant deferral / active EE | $2,880 | $3,236-11.0% | $5,202-44.6% | $3,740-23.0% |
| Admin fee / account holder | $1,764 | $6,749-73.9% | $13,986-87.4% | $5,306-66.8% |