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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 | $16,079 | $49,976-67.8% | $66,674-75.9% | $82,637-80.5% |
| Participation rate | 53.3% | 63.1%-9.8pp | 73.7%-20.3pp | 68.1%-14.7pp |
| Annual return | 24.67% | 39.09%-14.4pp | 321.24%-296.6pp | 53.51%-28.8pp |
| Employer contribution / active EE | $1,830 | $1,988-7.9% | $2,620-30.1% | $2,552-28.3% |
| Participant deferral / active EE | $2,574 | $2,847-9.6% | $4,084-37.0% | $4,126-37.6% |
| Admin fee / account holder | $3,114 | $4,594-32.2% | $5,098-38.9% | $7,339-57.6% |