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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 | $29,058 | $88,707-67.2% | $74,184-60.8% | $273,972-89.4% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | 5.44% | 11.94%-6.5pp | 17.74%-12.3pp | 41.46%-36.0pp |
| Employer contribution / active EE | $1,839 | $3,159-41.8% | $2,370-22.4% | $4,869-62.2% |
| Participant deferral / active EE | $3,236 | $4,212-23.2% | $3,550-8.8% | $5,287-38.8% |
| Admin fee / account holder | $5,364 | $8,717-38.5% | $5,586-4.0% | $10,133-47.1% |