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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 | $55,206 | $55,930-1.3% | $76,089-27.4% | $80,925-31.8% |
| Participation rate | 60.0% | 62.1%-2.1pp | 69.1%-9.1pp | 67.7%-7.7pp |
| Annual return | 11.89% | 20.58%-8.7pp | 360.94%-349.0pp | 35.65%-23.8pp |
| Employer contribution / active EE | $1,229 | $1,866-34.2% | $2,690-54.3% | $2,756-55.4% |
| Participant deferral / active EE | $2,590 | $3,051-15.1% | $4,259-39.2% | $4,299-39.7% |
| Admin fee / account holder | $3,755 | $5,241-28.3% | $6,418-41.5% | $6,940-45.9% |