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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 | $50,218 | $80,781-37.8% | $102,437-51.0% | $74,478-32.6% |
| Participation rate | 48.7% | 65.7%-17.0pp | 74.5%-25.8pp | 67.2%-18.5pp |
| Annual return | 16.42% | 27.58%-11.2pp | 24.95%-8.5pp | 1370.56%-1354.1pp |
| Employer contribution / active EE | $2,201 | $3,160-30.4% | $3,871-43.1% | $2,626-16.2% |
| Participant deferral / active EE | $4,653 | $3,862+20.5% | $5,060-8.0% | $4,350+7.0% |
| Admin fee / account holder | $4,682 | $2,372+97.4% | $8,388-44.2% | $1,946+140.6% |