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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 | $57,369 | $58,828-2.5% | $78,002-26.5% | $62,881-8.8% |
| Participation rate | 49.5% | 71.1%-21.6pp | 75.5%-26.1pp | 69.3%-19.8pp |
| Annual return | 8.71% | 17.16%-8.5pp | 425.99%-417.3pp | 20.14%-11.4pp |
| Employer contribution / active EE | $1,278 | $1,672-23.5% | $2,470-48.3% | $2,281-44.0% |
| Participant deferral / active EE | $1,706 | $2,686-36.5% | $3,497-51.2% | $3,203-46.7% |
| Admin fee / account holder | $11,128 | $4,393+153.3% | $5,481+103.0% | $4,296+159.1% |