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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 | $49,860 | $87,106-42.8% | $105,607-52.8% | $80,935-38.4% |
| Participation rate | 55.9% | 70.4%-14.5pp | 75.3%-19.4pp | 67.7%-11.7pp |
| Annual return | 14.91% | 17.01%-2.1pp | 116.11%-101.2pp | 35.66%-20.7pp |
| Employer contribution / active EE | $1,689 | $2,396-29.5% | $3,167-46.7% | $2,757-38.7% |
| Participant deferral / active EE | $3,025 | $3,986-24.1% | $5,011-39.6% | $4,299-29.6% |
| Admin fee / account holder | $10,056 | $8,447+19.0% | $10,958-8.2% | $6,924+45.2% |