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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 | $43,338 | $32,037+35.3% | $69,182-37.4% | $62,881-31.1% |
| Participation rate | 42.1% | 43.4%-1.3pp | 55.1%-13.0pp | 69.3%-27.2pp |
| Annual return | 5.23% | 15.16%-9.9pp | -21.93%+27.2pp | 20.14%-14.9pp |
| Employer contribution / active EE | $512 | $679-24.7% | $1,206-57.6% | $2,281-77.6% |
| Participant deferral / active EE | $3,334 | $1,185+181.2% | $1,897+75.7% | $3,203+4.1% |
| Admin fee / account holder | $1,321 | $2,608-49.3% | $2,697-51.0% | $4,296-69.2% |