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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 | $58,234 | $88,672-34.3% | $105,223-44.7% | $82,448-29.4% |
| Participation rate | 23.1% | 67.9%-44.8pp | 75.0%-52.0pp | 68.1%-45.0pp |
| Annual return | 16.96% | 30.86%-13.9pp | 180.65%-163.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,077 | $3,048-64.7% | $3,689-70.8% | $2,551-57.8% |
| Participant deferral / active EE | $2,005 | $4,036-50.3% | $5,072-60.5% | $4,139-51.6% |
| Admin fee / account holder | $691 | $7,146-90.3% | $8,859-92.2% | $7,234-90.4% |