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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 | $83,369-40.5% | $105,223-52.8% | $67,986-27.0% |
| Participation rate | 23.0% | 56.3%-33.3pp | 75.0%-52.0pp | 57.2%-34.2pp |
| Annual return | 21.02% | 24.64%-3.6pp | 180.65%-159.6pp | 31.67%-10.6pp |
| Employer contribution / active EE | $1,151 | $2,541-54.7% | $3,689-68.8% | $2,019-43.0% |
| Participant deferral / active EE | $2,722 | $3,295-17.4% | $5,072-46.3% | $3,358-18.9% |
| Admin fee / account holder | $2,963 | $4,073-27.2% | $8,859-66.5% | $3,203-7.5% |