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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 | $21,005 | $59,440-64.7% | $78,004-73.1% | $82,637-74.6% |
| Participation rate | 50.0% | 62.8%-12.8pp | 69.4%-19.4pp | 68.1%-18.1pp |
| Annual return | 19.08% | 40.24%-21.2pp | 31.07%-12.0pp | 53.51%-34.4pp |
| Employer contribution / active EE | $1,272 | $1,750-27.3% | $2,469-48.5% | $2,552-50.2% |
| Participant deferral / active EE | $1,598 | $3,138-49.1% | $4,092-61.0% | $4,126-61.3% |
| Admin fee / account holder | $1,572 | $5,504-71.4% | $7,578-79.3% | $7,339-78.6% |