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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 | $50,838 | $55,889-9.0% | $76,119-33.2% | $80,935-37.2% |
| Participation rate | 43.9% | 62.1%-18.1pp | 69.1%-25.1pp | 67.7%-23.7pp |
| Annual return | 11.39% | 20.58%-9.2pp | 361.25%-349.9pp | 35.66%-24.3pp |
| Employer contribution / active EE | $1,518 | $1,866-18.7% | $2,693-43.6% | $2,757-45.0% |
| Participant deferral / active EE | $2,734 | $3,051-10.4% | $4,259-35.8% | $4,299-36.4% |
| Admin fee / account holder | $3,254 | $5,241-37.9% | $6,421-49.3% | $6,924-53.0% |