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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 | $49,913 | $89,532-44.3% | $103,447-51.7% | $80,925-38.3% |
| Participation rate | 28.6% | 76.0%-47.5pp | 80.5%-52.0pp | 67.7%-39.1pp |
| Annual return | 12.14% | 22.80%-10.7pp | 23.92%-11.8pp | 35.65%-23.5pp |
| Employer contribution / active EE | $1,412 | $4,023-64.9% | $4,678-69.8% | $2,756-48.8% |
| Participant deferral / active EE | $2,254 | $5,459-58.7% | $6,624-66.0% | $4,299-47.6% |
| Admin fee / account holder | $11,245 | $6,774+66.0% | $9,415+19.4% | $6,940+62.0% |