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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 | $23,587 | $77,638-69.6% | $156,551-84.9% | $62,881-62.5% |
| Participation rate | 50.0% | 71.2%-21.2pp | 84.0%-34.0pp | 69.3%-19.3pp |
| Annual return | 6.82% | 50.33%-43.5pp | 32.23%-25.4pp | 20.14%-13.3pp |
| Employer contribution / active EE | $900 | $3,444-73.9% | $5,501-83.6% | $2,281-60.5% |
| Participant deferral / active EE | $1,987 | $3,046-34.8% | $4,871-59.2% | $3,203-38.0% |
| Admin fee / account holder | $6,055 | $5,561+8.9% | $13,028-53.5% | $4,296+41.0% |