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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 | $50,390 | $78,027-35.4% | $178,528-71.8% | $80,925-37.7% |
| Participation rate | 39.2% | 65.7%-26.5pp | 77.1%-37.9pp | 67.7%-28.5pp |
| Annual return | 18.78% | 18.09%+0.7pp | 27.11%-8.3pp | 35.65%-16.9pp |
| Employer contribution / active EE | $1,304 | $2,281-42.8% | $3,950-67.0% | $2,756-52.7% |
| Participant deferral / active EE | $3,051 | $4,408-30.8% | $6,278-51.4% | $4,299-29.0% |
| Admin fee / account holder | $2,535 | $7,168-64.6% | $10,419-75.7% | $6,940-63.5% |