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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 | $50,708 | $86,701-41.5% | $73,309-30.8% | $125,389-59.6% |
| Participation rate | 56.3% | 78.6%-22.4pp | 74.9%-18.7pp | 83.2%-26.9pp |
| Annual return | 0.66% | 2.78%-2.1pp | 5.67%-5.0pp | 282.24%-281.6pp |
| Employer contribution / active EE | $2,751 | $4,152-33.7% | $3,237-15.0% | $4,866-43.5% |
| Participant deferral / active EE | $4,530 | $5,549-18.4% | $4,991-9.2% | $5,352-15.4% |
| Admin fee / account holder | $6,758 | $7,768-13.0% | $5,635+19.9% | $9,541-29.2% |