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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 | $49,632 | $80,332-38.2% | $107,187-53.7% | $64,097-22.6% |
| Participation rate | 23.0% | 54.4%-31.4pp | 75.0%-52.0pp | 55.2%-32.2pp |
| Annual return | 21.02% | 24.26%-3.2pp | 204.55%-183.5pp | 34.64%-13.6pp |
| Employer contribution / active EE | $1,151 | $2,501-54.0% | $3,782-69.6% | $1,891-39.2% |
| Participant deferral / active EE | $2,722 | $3,109-12.4% | $5,096-46.6% | $3,080-11.6% |
| Admin fee / account holder | $2,963 | $4,314-31.3% | $9,162-67.7% | $3,454-14.2% |