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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 | $46,575 | $63,703-26.9% | $93,063-50.0% | $82,448-43.5% |
| Participation rate | 53.1% | 63.8%-10.7pp | 72.1%-19.0pp | 68.1%-14.9pp |
| Annual return | 18.35% | -775.43%+793.8pp | 34.15%-15.8pp | 41.64%-23.3pp |
| Employer contribution / active EE | $1,231 | $1,729-28.8% | $2,476-50.3% | $2,551-51.7% |
| Participant deferral / active EE | $2,601 | $2,919-10.9% | $3,958-34.3% | $4,139-37.2% |
| Admin fee / account holder | $1,747 | $5,982-70.8% | $6,033-71.1% | $7,234-75.9% |