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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 | $50,351 | $80,781-37.7% | $102,437-50.8% | $74,478-32.4% |
| Participation rate | 29.4% | 65.7%-36.3pp | 74.5%-45.2pp | 67.2%-37.9pp |
| Annual return | 13.81% | 27.58%-13.8pp | 24.95%-11.1pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $1,165 | $3,160-63.1% | $3,871-69.9% | $2,626-55.7% |
| Participant deferral / active EE | $1,844 | $3,862-52.3% | $5,060-63.6% | $4,350-57.6% |
| Admin fee / account holder | $2,552 | $2,372+7.6% | $8,388-69.6% | $1,946+31.2% |