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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 | $50,808 | $57,119-11.0% | $85,187-40.4% | $80,935-37.2% |
| Participation rate | 24.5% | 56.4%-31.9pp | 67.5%-43.0pp | 67.7%-43.1pp |
| Annual return | 18.37% | 21.70%-3.3pp | 66.67%-48.3pp | 35.66%-17.3pp |
| Employer contribution / active EE | $1,023 | $1,802-43.2% | $2,732-62.6% | $2,757-62.9% |
| Participant deferral / active EE | $2,621 | $3,115-15.9% | $4,525-42.1% | $4,299-39.0% |
| Admin fee / account holder | $6,437 | $4,990+29.0% | $6,162+4.5% | $6,924-7.0% |