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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 | $52,312 | $69,977-25.2% | $108,582-51.8% | $62,881-16.8% |
| Participation rate | 42.9% | 72.9%-30.0pp | 79.6%-36.7pp | 69.3%-26.4pp |
| Annual return | 6.13% | 10.73%-4.6pp | -51.70%+57.8pp | 20.14%-14.0pp |
| Employer contribution / active EE | $1,586 | $2,135-25.7% | $3,758-57.8% | $2,281-30.4% |
| Participant deferral / active EE | $3,503 | $3,165+10.7% | $4,311-18.7% | $3,203+9.4% |
| Admin fee / account holder | $2,107 | $5,076-58.5% | $7,645-72.4% | $4,296-51.0% |