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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 | $50,238 | $64,890-22.6% | $134,172-62.6% | $67,986-26.1% |
| Participation rate | 27.4% | 48.5%-21.1pp | 72.5%-45.1pp | 57.2%-29.8pp |
| Annual return | 17.02% | 16.12%+0.9pp | 25.30%-8.3pp | 31.67%-14.6pp |
| Employer contribution / active EE | $823 | $1,360-39.5% | $3,420-75.9% | $2,019-59.2% |
| Participant deferral / active EE | $1,581 | $2,289-30.9% | $4,690-66.3% | $3,358-52.9% |
| Admin fee / account holder | $4,942 | $3,140+57.4% | $12,016-58.9% | $3,203+54.3% |