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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 | $56,373 | $94,031-40.0% | $115,768-51.3% | $82,448-31.6% |
| Participation rate | 41.2% | 70.4%-29.2pp | 74.4%-33.2pp | 68.1%-26.9pp |
| Annual return | 15.23% | 20.61%-5.4pp | 100.46%-85.2pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,032 | $2,323-55.6% | $2,940-64.9% | $2,551-59.5% |
| Participant deferral / active EE | $2,765 | $3,972-30.4% | $4,917-43.8% | $4,139-33.2% |
| Admin fee / account holder | $9,141 | $10,249-10.8% | $12,439-26.5% | $7,234+26.4% |