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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 | $56,959 | $65,027-12.4% | $90,970-37.4% | $79,852-28.7% |
| Participation rate | 28.6% | 61.6%-33.0pp | 69.0%-40.4pp | 69.6%-41.1pp |
| Annual return | 19.51% | 30.45%-10.9pp | 134.58%-115.1pp | 31.72%-12.2pp |
| Employer contribution / active EE | $1,211 | $1,247-2.9% | $2,122-42.9% | $2,471-51.0% |
| Participant deferral / active EE | $2,580 | $2,512+2.7% | $3,373-23.5% | $3,740-31.0% |
| Admin fee / account holder | $4,153 | $4,535-8.4% | $5,960-30.3% | $5,306-21.7% |