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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 | $49,247 | $81,276-39.4% | $155,574-68.3% | $80,925-39.1% |
| Participation rate | 52.8% | 66.2%-13.4pp | 78.2%-25.4pp | 67.7%-14.8pp |
| Annual return | 18.76% | 33.36%-14.6pp | 64.87%-46.1pp | 35.65%-16.9pp |
| Employer contribution / active EE | $1,565 | $3,103-49.6% | $4,676-66.5% | $2,756-43.2% |
| Participant deferral / active EE | $3,168 | $3,453-8.2% | $5,629-43.7% | $4,299-26.3% |
| Admin fee / account holder | $8,333 | $7,993+4.3% | $15,914-47.6% | $6,940+20.1% |