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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 | $52,069 | $77,164-32.5% | $178,014-70.8% | $80,874-35.6% |
| Participation rate | 46.9% | 65.7%-18.8pp | 77.1%-30.2pp | 67.6%-20.8pp |
| Annual return | 12.43% | 18.09%-5.7pp | 294.80%-282.4pp | 35.62%-23.2pp |
| Employer contribution / active EE | $1,260 | $2,288-44.9% | $3,950-68.1% | $2,756-54.3% |
| Participant deferral / active EE | $2,570 | $4,408-41.7% | $6,276-59.0% | $4,297-40.2% |
| Admin fee / account holder | $4,209 | $7,164-41.2% | $10,362-59.4% | $6,935-39.3% |