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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 | $53,386 | $91,198-41.5% | $178,503-70.1% | $79,856-33.1% |
| Participation rate | 54.8% | 69.2%-14.4pp | 81.9%-27.1pp | 69.6%-14.8pp |
| Annual return | 13.56% | 24.20%-10.6pp | 151.12%-137.6pp | 31.71%-18.2pp |
| Employer contribution / active EE | $1,637 | $3,257-49.7% | $5,011-67.3% | $2,471-33.8% |
| Participant deferral / active EE | $1,974 | $3,237-39.0% | $5,202-62.1% | $3,741-47.2% |
| Admin fee / account holder | $4,898 | $6,748-27.4% | $13,987-65.0% | $5,306-7.7% |