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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 | $65,122-22.9% | $135,792-63.0% | $64,097-21.6% |
| Participation rate | 27.4% | 47.1%-19.7pp | 72.6%-45.2pp | 55.2%-27.8pp |
| Annual return | 17.02% | 14.53%+2.5pp | 25.96%-8.9pp | 34.64%-17.6pp |
| Employer contribution / active EE | $823 | $1,280-35.7% | $3,496-76.5% | $1,891-56.5% |
| Participant deferral / active EE | $1,581 | $2,219-28.8% | $4,759-66.8% | $3,080-48.7% |
| Admin fee / account holder | $4,942 | $3,120+58.4% | $12,266-59.7% | $3,454+43.0% |